I lurk here but haven't posted often in this particular subforum. I'm hoping I can get a little advice from some of you who have experience with my situation.
Attempt at short version:
I was involved in a traffic collision with a car while riding my bike. From everything I understand it was the driver's fault, but since I was unconscious for part of the incident and in the ambulance for the rest, I was unable to get her information (name, insurance, etc), or talk to any witnesses.
A police report has not been filed yet, but I have the officer's name and email who is on the case. He says the report should be filed 7-10 business days after the incident (the accident was Thurs Nov 4, so 7 business days is Monday the 15th).
I was interviewed by an officer while in the trauma center (and on pain meds and still really out of it). I remember saying how fast I was going (under the speed limit), and asking how the driver was doing
What do I do now? My cell phone was broken (expensive android device), kit was cut off of me, helmet busted, and there is some damage to my bike. I expect the medical bills to be $20-40k, and my property damage to be between $1500 and $4000 (bike is being checked out at LBS).
I'm not interested in making lots of $$ from this incident, but would like my expenses covered and possible a few bucks acknowledging the fact that I am going to have some pretty ugly scaring on my neck.
Can I go get a new phone and be reimbursed later? How willing are most insurance companies to pay for reasonable costs if their client is found at fault? I've heard "get a lawyer" from a bunch of people, but I don't see this accident as me having won the lottery. I just want to "be made whole", as they say, but not in a large settlement kind of way. I also want this thing to be over. I'm not interested in dealing with this during my free time next September.
I hope I didn't run on too much. I'm really lost right now, and can't seem to get more than a quick iphone email response from the officer on the case.