I worked for four years as an insurance claims agent. State Farm does not need her policy number to look-up her account. Call them back. Provide every bit of detail about her - name, address, etc. as indicated on the police report. If the rep you talk to doesn't get it, ask for a supervisor.

I can assure you that her insurance company will be quite interested in hearing about your situation and more than willing to pay for the damages to your bike. They'll be THRILLED that her negligence did not result in a costly bodily injury claim. When I took reports for accidents between our member's cars and pedestrians, the claims representatives were very quick to contact the pedestrian and see that they were alright and to do what they can to avoid having you involve the courts.

Feel free to drop me a line if you need more advice/suggestions. Visit my blog and send me an email through it.

Her insurance company needs to know about this accident and create a loss report. This will stay on her record and will be considered when her policy comes up for renewal - as it should be. She is obviously a higher risk driver given her impatience behind the wheel.

Glad you're ok and hey, keep your chin up. You rock for doing your part in reducing traffic congestion, greenhouse gases, etc. by commuting on your bike. You have rights. It's time to exercise them.