ouch. the downside of riding a bike... you can fall and it hurts!
now to preach the car-free lifestyle: you could ditch the car, and when an incident like this pops up, rent a car for a couple weeks. say 2 weeks at $200/wk = $400, which is waht, 1/2 or 1/3 of basic yearly insurance on any junker? or take a cab. short-term expenses would peak on occasion but long-term i bet you save $$.
cheers