as for the bike, borrow some wheels and check it out. lbs should have a set to throw on.

if this wasn't your fault, or if it was "no-fault", claim the entire bike and get your money from the driver's insurance. you might end up saving your frame plus the claim.

after being in a couple accidents in the last few years, i've found insurance companies a lot more willing to shell out money after a doctor visit. not knowing what happened in this case, to everyone else that will get in one sooner or later, get to the hospital, don't trust what what the police write in their reports, take your own pictures immediately (on a cell phone if you have to) and get witnesses' info right away. take pictures of torn clothes, bags, broken cell phones. hopefully you had a helmet on, take a picture of you wearing it. worry about your bike later. call the police and get the officer's badge and name. write down whatever numbers that are on the officer's form(s). do all your own detective work right along with the police before you go to the hospital. write to your local bike advocacy group, they will help. i got ****ed because in s.f. after getting run over, don't let it happen to you.

sorry if this doesn't apply to this situation. i'm still so angry from getting the shaft after my last brush with a car i can't stand it.