It takes a seasoned professional to understand what future medical needs you will have, as well as the associated costs of these future medical needs.
It's important to remember that while your insurance adjuster may be extremely helpful and kind, they are looking out for their boss's bottom line, not your best interest. Insurance companies must limit your settlement in order to increase profits.
Speaking with an experienced motorcycle accident attorney is the best thing to do after you're involved in an accident. It is actually better that you speak with a personal injury attorney before you speak with any insurance company representative.