Thanks for the prompt response!
Before I report a claim though.. here's my concern. Right now they seem complacent with walking away without having to pay for anything. If i pursue this though, and it's deemed legally not her fault, then the person at fault would be me, right? Does that mean that if her car bumper was scratched when she hit me (which might be the case) I would have to pay for it? I don't have any kind of bike insurance that would cover me, so that would really be the cherry on top of this already screwed up situation.
I'd be asking my insurance agent these questions if I were in a car, but I wasn't. I'll give them a call for some advice anyway, but if someone else has some insight, it would be much appreciated.