a woman hit me as she was turning (right) onto a side street. i was going with traffic straight and she didnt see me. i took her insurer info. we both noted that my bike was pretty toasted , bent wheel handle bars and frame. she said shed pay for it, felt bad, apologized she didnt see me. now her insurance co BIG SURPRISE wont pay to replace bike, says shes not at fault. after the accident everyone said dont be nice! she totalled your bike and you got banged up but i dont lke to make a fuss. i shouldve listened and got a lawyer. i just want her to pay for the biike and not sue her sue her. can i do small claims court (bike = $900)? can i sue just her and not her insurance company?