Hope you heal quickly and everything works out to your satisfaction with the insurance. I'm glad you see this, it actually struck me in your first post. It's basically an unfortunate fact of life, if you are going to ride hard in traffic you run a very high risk of takeing lumps. Not only are you invisible, but even the cars that see you don't expect you to be going 25 to 30mph, they expect you to be going 10 and it screws them up bad when you are not. Fortunate for me most of my riding is rural, but I have a couple routes that include roads where traffic is heavy. One that I run quite regularly has a slight (1%-2%) downgrade for 5 miles or so and it is quite easy to run 26mph to 32mph the whole way. There are a lot of driveways and cross traffic. It really freaks some drivers out, they have a perception of how fast a bicycle should be moving and 30mph ain't it. I see them go to start, realize something isn't right, then just freeze. Like you said, road bikes just don't stop fast enough and you can get screwed real easy. While it sounds like your incident was totally the other guys fault, there are plenty of places in California where the bike lane becomes the legal right turn lane (solid white line goes to dashed) at intersections. Someone pops over and you plow into them because you can't stop a road bike, you are at fault even though they may have cut you off. I've been hit once and have no desire to be hit again, sad as it is, that means riding a little slower in a lot of places I'd love to be hammerin' it.
Word to the wise. If you are involved in a car/bike accident, even if there is seemingly no damage or injury, get witnesses names and phone numbers and if possible a police report. If you don't you will be screwed if something comes up or the other party decides he wants to squeeze some cash out of YOU!