Personal injury? Get a lawyer. Document everything...photos, diary, medical records/bills. Take your time; California has a 2 year grace period for filing a lawsuit (not sure about MO). Get the police report and be objective about the results; everyone else will. Check coverage on **your** insurance.

Be patient....I just settled a cut and dried case against a driver who hit me from behind at 35mph. This "simple" claim took 10 months to settle. Auto insurance companies are loathe to pay out damages to cyclists because they know they can fight the cases and often win.

Final note. The totaled bike is property damage. Your injuries are personal liability damages. In CA they can be settled separately, however most insurance companies won't because acceptance of property damage liability would suggest driver responsibility for the accident.