We had a similar accident a couple years ago. (Went into the side of a smallish SUV that ran a stop sign, hitting the rear quarter panel.) As with you, the wheel had surprisingly little damage. We brought it to the LBS to do a damage assessment as you did, and they did not pick up on the fact that the fork (steel) was bent. I didn't figure that out until months later when I actually tried to start getting the bike rolling again. Another subtle issue that we didn't figure out until later was that the rear derailleur hanger was bent.

The shop said they always recommended replacing the wheels for a case like ours, though ultimately I kept the wheels after retruing them.

I would replace your fork. It's not worth a future accident.

Sounds like your injuries were not too bad, that's good.

I would suggest speaking to a lawyer before contacting the driver's insurance company further. You may be able to find one that specializes in bicycle claims.