Ok here the story, I was riding north on clark.st in Chicago during rush hour so traffic was pretty backed up. I hang a left around a cta bus because i did not want to go on the right hand side of the bus because it was ready to pull in at a stop. So I go around the bus pass up like three cars because I was going to hang a left down a side street. When I passed up the third car it turns out that that car was letting somone out of a parking lot, I could not tell because tha car was a suv, it was pretty tall.
So I continue to pass the suv, to see the front end of another car sticking out right at me. at this point it was to late there was nothing I could do to stop, I hit the front left hand side of the car, roll on the hood and fall on the ground. I got up as soon as I fell, I was fine with just a couple bruises and scrapes. I proceed to go pick up my bike and review the damages. The woman in the car pulls over, asks me if I am alright. I told her yeah I think im okay, I was not wearing a helmet so luckily I was fine. we call the police to fill out a report. they come like 30 to 40 minutes later which is b/s. I refused the ambulance because i was fine, nothing serious. We fill out the report the woman was pretty cool asked me if I wanted an ambulance. I said I was fine, but my bike was pretty messed up the headtube and fork were all bent to one side. along with the wheel too.
We exchanged info. She asked how my bike was, I told her it was pretty messed up. she did not really say much for obvious reasons. She offered to give me a ride home, so i took up her offer.
she said that if I needed to go to ER later to give her a call. I mentioned my bike one more time and she did not say much. we get to talking it turns out She works for an insurance company.
My bike is hopefully trying get bended back as we speak. I dont really know what to do in this case. I really don't know who's fault it is, she said that she did not see me and I said I did not see her. we really did not point any fingers when the cop was filling out the report.
I dont want to get a lawyer if I dont have to because my bike is just messed up.
So should I call the woman that i got into the accident with? the insurance company?