My daughter was side swiped by a car in New York City while riding her bike. she fell off and injured her ankle...it was the driver's fault and he gave her all the info...insurance, etc . and was apologetic..she was taken to emergency..who pays these bills now..should we call the guys insurance? we haven't heard the insurance co yet? should the lawyer be in New York where my daughter is, or from here where I live. She is in college.