cost bracket injurys are put in?

some will remember i was hit off my motorbike in july by a woman performing an illegal right turn - she was done for careless driving as a result

my injurys were sore bollocks for 2 weeks, strain/bruising to inner thighs, fooked wrist (not broken), fooked back and neck (again not broken)

i basically went over the handle bars head first into the side of the car... at about 40mph...

i was taken to hospital and had xrays on neck and back etc, received pain killers etc

my solicitors have said to decline the offer as 'it is below the bracket of damages that we would expect to be awarded in court'

they also want to know if i am still suffering any sypmtoms, and i still get a bad back/neck

and fiinally, as a result of this non fault accident, my insurance has gone up by an average of £180 for the few online quotes that i have done (both by submitting the claim and not) so can i claim for these premium increases for the next 5 years too? as thats how long they ask on your insurance!

any input from the legal beagles would be muchly appreciated