Susie,

I am not an attorney, nor do I play one on the internet. However, please don't talk to his insurance company. Please protect yourself by finding an attorney knowledgable in bicyclists rights and responsibilities, and have the attorney do all further communication. That hyper-extended knee, the bumps, bruises, etc., could all heal up fine - or they could turn into bigger problems requiring more intense care. The insurance company has already offered a settlement because it wants to limit its potential liability and it KNOWS it's on the hook for the bucks.

A good attorney will make sure that you don't find yourself stuck with unexpected medcal bills. This isn't about screwing the driver or his insurance company. It's just about protecting yourself.

My apologies for the unsolicited advice. And I'm sooooo happy you came out of this in one piece, even if your bike didn't. I hope you heal up soon.

Susan