Wow lots of great information!! Thanks guys. Crossfire peeps are the bomb. Little update and to answer a few questions....
1. Her insurance company accepted full liability about 1/2 a second after ending my recorded statement hehe
Amusing accident report
https://www.dropbox.com/s/zkmajrgze1...ment.jpeg?dl=0
2. My insurance company initial estimate 4600.00 (just from adjustor looking), but I am going to try to file only through her company (Geico) because the dude seemed pretty cool and practically offered me the information that that this is a pain and suffering eligible case after hearing about my concussion and anxiety issues up to that point. Once they get it up on the rack at my shop and start looking for parts it should be interesting how it all plays out.
3. I bought a book from the nolo.com guys and I'm going to try to do the settlement myself because it is so cut-and-dry her fault and I really don't want to give a lawyer 1/3 of this. So yeah as some of y'all suggested, I **WILL** be made whole come hell or high water, because this is a major pain in the *** on a lot of levels, and she is a BAD BAD person who was clearly driving recklessly. I don't know if she got a ticket for reckless driving but if I find out she didn't, I might just go give the police chief some "feedback" once my back & neck is feeling better. People can't get away with this crap. And I am not a hypocrite, I never use my phone while I drive, and I even refuse to talk to certain people who call me on the phone while they are driving, whom I know aren't good multi-taskers.
4. @Franc and @Mrmiata and others, you've given me hope and I think the reasoning is sound that **maybe** if no frame damage I **CAN** keep my baby, (although my husband is in the no-way-are-you-driving-a-car-thats-been-in-a-wreck frame of mind: he'll have to be pretty convinced it's safe). Anyway I won't write the possibility out of my mind just yet. Thanks
edit p.s. she hit me @ about 30 mph IMO. Never even slowed down one bit, didn't know I was there until she hit me. That was obvious from her actions and stuff she said.