I almost got screwed by a driver in January of last year. Driver made a left hand turn in front of me and I t-boned him at 42 kph. Frame split along the bottom of the top tube, front wheel was taco'd, and my seat was shredded.

I refused treatment from the ambulance because they were only interested in transporting me to the hospital. The damage to his car and my bike were documented by police and we were told to go to a reporting center. In the drivers report he said that I was "speeding on the sidewalk" and "darted out from a driveway" giving him no chance to stop. The police had already found his story sketchy because there were no driveways on the street and sided with me when I provided them with my garmin data http://connect.garmin.com/activity/139728331 The driver was charged with failing to yield and driving without a valid permit (his license had been expired for a week) I ended up getting $6,500 from his insurance for my damages.

I ride every now and then with a lawyer... he's a property lawyer not a personal injury lawyer, but his advice to me after hearing the story was... if you hit the deck during the accident and have injuries, stay down and wait for the ambulance. Accept treatment and go to the hospital if they ask you to. Never tell the driver or witness' you're okay even if you are. There may be injuries you're not aware of. In my case it was bruised/inflamed kidneys and almost a month off the bike. Had I handled things differently, I could have also got some pain and suffering damages. Which I would have been okay with since the driver tried to lie to the cops and place blame on me.