Originally Posted by madpogue
Your insurance company? Why should they be involved at all? Maybe things are different in Oz, but here, if the other person is at fault you ALWAYS pursue financial settlement via the other person and/or her/his insurance company first. One or the other should pay for all your care and the repair/replacement of your bike (and any accessories [helmet, gloves, etc] damaged).
That's nice of her, but not especially relevant wrt. what happened to you. (IMHO, that she didn't see you is no less indicting than if she did, but I digress.) Her intentions, etc. may be a factor in how the police charge her, and "punishing" her beyond what's appropriate is, well, not appropriate. But you're due to be made whole. And that's entirely her responsibility. Not as "punishment", but as consequence (and out of fairness to you, who have already borne undue expense on account of your pain, injury and lost time).
Important thing is, you're in one piece. Good thing there were lots of other folks around.
I have to agree. She needs to take financial responsability for your bike and equipment, as well as your medical care. Around here, ambulance rides are around 500 a pop; At LEAST! List your bike and equipment at MSRP and then when you get reimbursed, find deals.