I am very glad to hear you are OK. That sounds pretty scary!

I had nearly the same thing happen the other night. In this case I knew the driver saw me, but I don't think he realized that I could be going nearly 20 MPH in a 30 MPH zone. I had to hit the brakes hard not to make contact with him. I did yell out loudly that he should YIELD at a stop sign... Drivers can be very careless and for us cyclists that can mean some real pain!

Find out immediately what rights you have in your state. I was extreamly lucky when I was hit that the driver's insurance agent (Hanover) was helpfull. In NY State for instance there is a no fault clause to states that a driver's insurance MUST pay for any damages inflicted on a pedestrian or cyclists. He gave me all the relavant information so that I could call the hospital and ensure that I would never see a bill. In NY State if you didn't brake anything or are not disabled for any length of time, you are allowed to recover 100% of your physical losses, 100% of any medical bills, and 80% of any lost wages. In my mind that was was perfectly fair. A lawyer would not have helped as they would not have gotten me 1 cent more than I received. I got no grief over buying a brand new bike to replace my previous bike (I certainly did not highlight the fact that my previous bike was 26 years old).

Find out if you bike can be fixed. If not get a new replacement and don't accept any depreciation. I got a new $550 bike without any problems, I also added fenders, rack, bell, and other safety equipment that was similar to what was on the old bike. I got every penny I spent reimbursed in less than 2 weeks. If you get grief from the insurance agent, then by all means escallate the process on your end immediately.

Happy riding,
André