bikeless:
1. I did, but apparently she didn't go too far, she was still around when someone came to check on me. I guess the broken window and the woman screaming at the top of her lungs indicated she shouldn't run....
2. It is illegal to drive without insurance. since the car is new, unless her husband paid cash, the car is supposed to be insured. she was ticketed for not having insurance, they might have insurance, just not at hand, and then there's the part where if they took a loan out, the loan company would have some kind of insurance on the car as well. maybe. I get to try to look into this today, not looking forward to it...
3. I don't know. I'm going to talk to a lawyer today.
4. they are not insured. at least, the paper the police gave me with their information said not. legally, they are liable, it may be a long battle to get what I am due, though. and you're right, if they're broke... I do not own a car, thus I do not have car insurance. and technically, according to az law, the bicycle is not a vehicle, but we are awarded almost all the rights and rules that a vehicle has/must adhere to.
runnergirl, I'm going to have to try to get my bike in, the frame is steel, but the fork is carbon, and Mike was checking it out, and it looks as though it's been bent a hair.. bleh



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