Most all states have a dollar limit. You should also get into your laws and look to see what other element is needed. Most say injury within the reporting of accidents. Just out of curiosity, did the driver that hit you stick around. If not that could be construed as a hit and run. I know here in Arizona it's $1000.00 of damage. The other thing that you need to look at is the wording of the law itself. If it specifically says MotorVehicle you do not apply. Arizona took out several laws that you could get bicyclists on. Because they don't fall under Motor Vehicle. Check it wisely and don't argue with the officers. You can always request an officer to call for a supervisor. Always.