I'd make the guy in the car who hit you figure it out.
That said, save up 300 bucks and order a Worksman Cruiser. It's a fantastic bike, and has a coaster brake AND a drum brake in the front.
They are bulletproof. Super strong bikes and are MADE IN THE USA (Queens, NY to be precise).
But I hear you on the handbrake. I have a trike (that's heavy) with only a coaster brake, and when it gets too hot (from me pushing it on a downhill) it sounds like an 18-wheeler honked its horn.