What's this about watching softball? Like, on tv? Or in a field on the other side of the road? Jeeeez, some drivers are inexcusably dumb!

Back to contacting police and insurance, tho' ... Where I come from (CA) I think the law is that when there's a personal injury accident the police HAVE to be called. Maybe even before you leave the scene. You've already left the scene, but you ought to call them anyway and clarify that. You can hardly be blamed for breaking that law, if it does exist where you are, since you were shaken up and needed to get some care and rest quick.

Then there's the insurance side of things. She's offered to cover material damages. Well, duh! But there's also whatever time you lose from work, for instance time spent at that clinic getting checked out on Monday (sorry to hear your ER is such a dangerous place!) and any work time you lose following whatever instructions you're given at the clinic. And then there may be so-called "general damages" -- pain, suffering, fear, inconvenience. I was in a car accident about 6 months back -- neck sprain, bruises, eye injury. In addition to replacing my mom's car and covering all my medical expenses, the insurance company has offered me about $2000 for time and general damages.

Of course, going the insurance route also gives some security to the guilty party. By accepting the insurance settlement you also guarantee that you won't sue. And the driver pays only the loss of insurance bonus, which may amount to less than the settlement. So for both parties' sake, you should get her insurance information and send in a claim, maybe preferably via your own insurance (so it's not you as an individual dealing with that company, but another company on your behalf).