wow, that's a rough story.
it's too bad that you live in such a bicycle-hostile environment that you feel you have to give up an activity that you would otherwise greatly enjoy.
i guess i'm quite lucky that i don't have to deal with such daunting challenges when it comes to bike commuting simply due to where i live and ride.
and as others have said, GET A LAWYER. don't try to fight someone else's insurance company on your own. they will dick you around for eternity.
also, 55 miles per day, 5 days a week is crazy impressive. from one father to another, how the hell did you find the time for that?