I briefly mentioned this back when it happened, but now that the insurance stuff is finally finished up, I wanted to share my story and what I learned from it/would do differently.
Back in mid-August, I went for a pretty early ride. I had to drive to NC later in the day, so I left around first light. Looking at my ride, I left at 6:09, which may have been a bit before first light. That is not uncommon for me: I have good head and taillights, which were both being used that day. I took roads i ride regularly: from my house in Fairfax over to the town of Vienna. About an hour in, in Vienna, I was hit by a car (the irony is I had just gotten off of the biggest bike trail in our area and was on a marked VA bike route).
I was on a residential street which had a few streets on the left which T into it. They have stop signs, I do not. I was going to make a left. The driver was on the street to which I was turning: he was turning left onto the street I was on. He stopped, but didn't see me. I mistook his stopping for actually seeing me. As I was turning (at about 17 mph), I started to see him move. Luckily I saw him and started to turn back out of it/scream at him. I think turning out of it saved this from being much worse. He basically hip-checked me with one of his passenger doors. It was one of those scenarios that took forever in my head, but was basically instantaneously. I am not sure I even hit the ground.
He kept driving: I have never yelled and sworn so loudly in my life. I left my bike in the road and went after him. I think once he realized what happened and/or heard and saw me, he pulled over. Thankfully. Cops were called, my wife was notified then we waited. He was found at fault and cited. He admitted fault to me. After the cop was done with me, I checked that my bike was ride-able and I gingerly rode home. After the adrenaline wore off, my right knee was quite painful. Every time I had to get out of the saddle it felt like I was being stabbed with a needle right in my kneecap area.
Long story semi-short: knee was just badly bruised and really swollen. I was super sore the next couple of days (shoulders, back, etc.). Went to the ER Sunday night after getting back from NC.
Bike/Gear: so this bike was literally 8 days old and obviously pristine. It ended up with some scratches on the down-tube, small scratch on the fork, scratches on the shifter/hood, small chunk taken out of the pedal, and some slight damage to the crank arm (stages). Wheels were a bit out of true. All in all, not terrible, but annoying as, you know, it was a week old and pretty much a dream bike.
Shoes were scuffed/scratched, sun-glass lenses were cracked as they were thrown from my helmet. But really, that's it. No loss of skin, nothing terribly destroyed.
The insurance company basically paid 100% of the damages. A few of the older items were lessened a bit as they were older but not by much. I'm not complaining about the money they paid out: I think it's fair. The bike is totally rideable: I thought about replacing the frame, but I'd rather keep that money and put it towards upgrades and some house projects.
Here's what I would do differently: when the cop was there, I asked her to see the insurance card. She basically told me everything would be in the insurance report. It was, but the data was not correct. I had to google this guy's name and somehow found his cell number, which he answered. If this were to happen again, I'd get pictures of the driver, license plate (had that), insurance card, etc. The cop was super helpful after the fact, but that would have saved me some headaches.
I got my pain and suffering check pretty early on. I think next time I'd wait on that and verify if any other bills were coming from the hospital. It worked out OK, but lesson learned: just make sure all bills are squared away before accepting this.
The other, most important lesson learned: basically assume nobody can see you. I'm pretty safe when I ride and try to limit the risks I take/situations I am in. Could I have done more to not get hit at all? Probably. I'm less shy about being vocal with drivers. Just a quick "YO" - make sure I have their attention and am seen.
Honestly, as far as getting hit by a car goes, I'll take this 10/10. Physically, I was basically fine and was on the bike 2 days later (albeit still sore). Any stuff that was damaged was more than paid for by the insurance company. It's just a hassle that nobody wants to deal with.
Be safe out there guys.