Here is an update for the BARFers who might want to know how things have worked out:
After a lot of arguing, Progressive Insurance (her carrier and mine) attributed 100% fault to the other driver, and 0% to me. This was important because on my old bikes I only carry liability insurance, so I need to recover my damages from her policy.
The reason for the argument was that the cage driver claimed she veered to avoid a pedestrian but never left her lane, and that she never made contact with me. Through careful review of the police report I was able to make clear to the insurance adjuster that she did enter my lane (the officer's diagram, with detailed measurements, showed the front end of her car more than halfway across my lane when he arrived 5 minutes later). Also, I was able to prove contact was made by reason of the slight but perceptible bent forks on my bike. There was nothing else in the middle of the street that my front wheel could have hit except her front wheel/tire. (Likely the contact point was the leading edge of her tire at full left turn as she veered into me, so there was no visible damage to her car noted in the report.) I also made the alternative argument that even if there was no contact, she was the cause of the accident by veering into my lane. I know there was contact though, so I continued to press that and the bent forks as evidence.
Bottom line is that they declared my bike a total loss, but let me keep it for only a $250 reduction in the payout for property damage. They covered the value of the bike, my helmet, my jacket, and all towing and storage fees, plus a little extra for loss of use. They did not overpay me, but they did not short me by enough to matter at this stage. I can at least replace the forks with a used set from a salvage yard, and I can live with the minor scrapes and cracks in the fairings while I decide if I want to toss money toward another bike.
The next stage will be to recover for my personal injuries. That will be more complex and time consuming, since I need to make sure I have no long term disabilities or issues before I settle. Also, a portion of the recovery will go to my medical insurers since they have already covered my hospital and doctor visits. I am going to start some physical therapy soon, so we will see how that goes.
Lessons learned: 1. Even I can crash, and narrow busy city streets are a more likely place for it to happen. 2. It would have been worse at high speed. 3. After they screw up some people lie. 4. The SFPD did an excellent job of investigating and documenting the accident scene in their report. 5. OMG it hurt like hell, and the bruising and soft tissue injuries take a while to recover from. 6. I am oldapeman, not Superman.