Get well soon.

I don't think you have a choice with the insurance. As soon as your medical insurance finds out it was a traffic accident, they'll want to get some money from her car insurance company. You'll probably need to talk to them directly about fixiing your bike and replacing your shredded clothes. I think the policeman should have written her a ticket. Maybe there was some question in his mind about how far she was ahead of you when she turned and if you could have reasonably been expected to stop in time. It's easier to deal with insurance companies if there was a ticket written. Otherwise fault becomes ambiguous.

Now for the learning (for me). Did the wrist damage happen because you reached out with your hand and tried to break your fall? I know with roller blade and snow board injuries, many wrists are damaged because of this. I wonder how we can learn to "tuck and roll" when falling off a bike instead of reaching out to the ground with the hand. In a panic situation, I don't see how I'll manage to resist the instinct to break the fall with my hand.