Update...

Her insurance is supposedly taking care of it. I talked to them and they said i would hear back shortly. I only asked about my insurance to see if it was something they should be handling instead of me going direct. Obviously I wasn't going to try to claim it under my own insurance when it was the driver of the car who was at fault. I did call my insurance and they said they would take over if the driver's insurance gave me any hassles.

As far as suing, that's just not me if there is no reason for it. The woman was genuinly sorry and was more freaked out about the whole thing than i was. She is even the one who brought up the whole insurance info thing. I was too preoccupied with trying not to strangle her and looking at my poor mangled bike lying on the ground. So now I'm just waiting on her insurance to get back to me. And as long as the whole doctor thing checks out ok, I have no reason to ask for anything but the replacement of the damaged goods. We have enough frivolous lawsuits in this country and enough pissed off drivers out there. We don't need another of either of those.

Thanks for all the help so far!