Yikes, I am really glad you are mostly okay.

And I guess I am just cold and mean enough to think that woman SHOULD get dinged on her insurance if it was her fault. Or by the Dept. of Motor Vehicles. I have a couple of relatives who seem to always being paying for accidents out of pocket -- because they have a LOT of them and don't want reports filed! My cynical hunch is that most people who have their first accident go ahead and let insurance take care of it; the people who are so eager to pay out of pocket have been through it all before.

Then again, I guess if hitting a person and injuring them won't make you shape up and drive better, probably having to pay higher insurance rates won't, either.

Good luck with your recovery!