I recently came across a similar accident on Houston Street where the cyclist, who fortunately was wearing a helmet, wound up shattering the passenger side window -- probably with his head.

I'm not personally experienced with bike-car accidents but I'd recommend getting photos of everything that might be off with your bike and then take it to a shop for an estimate. Were there any witnesses? You should be able to get a copy of the accident report from police within a few days.

Anyone who drives in New York is required to carry insurance but there's no guarantee the owner keeps insurance payments up to date or that that particular driver is covered by the car's insurance.

New York does have no-fault coverage for medical expenses up to $5000. My daughter was in a cab accident years ago. Since it was covered by no-fault I don't think we ever even saw a bill.

Transportation Alternatives should be able to recommend attorneys who deal with bike accidents. Maybe they'd be willing to give a free or low cost consultation.