I agree with everyone else, don't let it slide. You have a personal injury, your bike was damaged, your clothing got messed up. It WAS the drivers fault. Call insurance.
I ride in the city too, suprisingly, spit over sholder, do a lucky chicken dance, I wasn't in any serious accident yet.
Closest I come to being in a serious one is when this big azz truck made a left turn in to shopping center parking lot from the opposite lane. Ofcourse I was pedaling my little heart out, and was just passing the entrance to it. That truck barely stopped in time. I think he missed me by 10 centimeters. When I looked back I saw bunch of dumb azz high school kids in that truck. They didn't even appologize.
The only accident I was in. Is when the lady was making a right turn from a stop light. I was crossing the street on my bike on pedastrian green light. Luckily I didn't have clip in pedals at the time. I was able to push of her hood and jump of my bike safely. She also stopped before running over my bike.

The motorist is right in that it's not his responsibility to pay for your shorts. That's what his insurance company is for. The police have his driver's license so finding the company is easy. It amazes me how many people get beat up on this forum and only want minimal or no compensation.

File papers in small claims court and the insurance company will come running with their check book.

Not necessarily true. I was driving my evil car to the grocery store, and pulling into an empty spot. Lady next to me opened the door into my front bumper. Screwed her door up pretty good, small crease in my bumper trim. I called my agent, and her company. She had already called her company and mine to make a claim against me. I let it sit for a couple of days, and finally got a call from her company, advising me that they had come to the conclusion that the incident was her fault (this was apparently the second time she had done the same thing...sit in car messing with makeup or something and then opening the door into a car pulling in) and that I should take the car in for an estimate, that they would be paying for the repairs and a rental, and that they had advised her to call my company and withdraw her claim.

In the end, I called them back and thanked them, but did not proceed with the claim. I wasn't concerned with the slight damage, I just wanted the correct establishment of fault.

While I despise tha fact that I'm required to carry insurance, not all insurance companies will try to screw you. If you don't have the attitude that you are "going up against them" to start with, you have a decent chance of being treated fairly.

Thanks guys. I am going into the doctors tonight and am going to see if everything is alright. My wrist is getting stronger so it maybe alright, I hope... I can not afford a messed up wrist this time of the season. I called the drivers insurance company today and they should be giving me a call. The money is not a huge deal to me but it is something.

I am working to modify behavior. It seemed like both time I was hit was over 25 MPH on busy roads... hmmm trend. I will have to save the crazy dash to the city line type rides for group rides and deserted roads. I guess even at 6'6" on a 63 cm bike I am invisable. You just can not stop fast enough on a road bike in these places.

I'm glad the accident wasn't worse, and I wish you a speedy recovery.

As far as being invisible while riding over 25 mph... I once had a driver look directly at me while I was descending a hill at 35 mph, and he then proceeded to pull out from the driveway, cut me off, forcing me off the road and over the handlebars. His explanation: he misjudged how fast I was going. It was an honest mistake on his part. I think that many motorists haven't ridden a bike since they got their drivers licenses, so they associate cyclists with the speeds they used to ride when they were 14 and tooling around the neighborhood. Wear bright clothes, keep your eyes open, and try to anticipate the "worst case scenario" when riding in traffic.

But more importantly, get well quickly. There will be plenty of opportunities for carnage in the upcoming racing season.

Document the damage. That includes you AND the bike. If you've got visible bruises or cuts, take pics! Save the shorts until the insurance company wants to see them. Obviously have copies of the doc's report once you're checked out more thoroughly.

It's not the speed that makes drivers not see you, and your height is neither a help nor a hindrance. You're just not a car. If drivers aren't looking for you, they won't see you no matter what.

Absolutely. I had a small break in a bone on my wrist that went undiagnosed (or is it misdiagnosed?) for a month before the doctors caught it. The initial swelling went down after about 3 days, and then any complications completely went away for several weeks. After a month I started getting severe discomfort, and went back. The doctor informed me it was a good thing it was caught, since if it went untreated it can lead to premature severe arthritis. I was in a cast for 2 weeks (stunk because I couldn't ride) but at least everything was taken care of.

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!

The most important thing is you are OK, but continue to pay attention to that wrist.
I would stay away from quotes like:

"I am working to modify behavior. It seemed like both time I was hit was over 25 MPH on busy roads... hmmm trend. I will have to save the crazy dash to the city line type rides for group rides and deserted roads. I guess even at 6'6" on a 63 cm bike I am invisable. You just can not stop fast enough on a road bike in these places."

and "Hit car...again"

Sounds a lil' bit like you are taking blame, and you never know who is reading the Forums.

That said, you should be compensated for all medical expenses and damages to your personal effects.

If you are going too fast for you to stop in a sufficient distance. Then guess what happens when someone pulls out in front of you quickly. Regardless of who was right and who was wrong, guess who will be lying on the ground and who isn't when you contact a car.

However my58vw already said that he's learned his lesson so this is quite moot.

That is true, of course the words are true. I should be more careful in planning my words... It was thrown in my face at my ride after the accident, it is your fault, modify behavior, etc. It is easy to see fault in others but it is looking at yourself that you see things you would never have seen before.

The question falls on should I be doing 25+ MPH on busy roads... and if doing that puts me at fault in an accident...

FYI I went to the doctor this morning and got an xray, everything looks fine, a bad sprain they think. I need to come back in a few weeks and have it rechecked. The doctors said I can return to normal riding once the pain goes away... I hope it is fully normal soon...

Live and learn...

Similar thing happened to a friend of mine riding alone yesterday on Longboat Key, FL., reknowned for very old drivers at this time of year. Friend in question riding at about 18mph in bike lane when old lady in big car turns right directly in front of her. My friend sustained a serious knee injury as well as other cuts and scrapes. Driver got out and stood looking as if paralysed in shock. Witness had to call 911. Police ticketed driver.