A couple of observations:
1. That solid white line is solid for a reason. Legally, it's considered a curb.
2. You can call now and still file a report with the police. Especially if you claim injuries, a report MUST usually be filed.
3. Unless you're going to claim punitive damages for pain and suffering, a lawyer will probably cost more than the settlement.
4. That California doctor went to jail for pulling in front of a cyclist and slamming on the brakes.