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From what little I have heard of Texas, you won't have much luck in pressing charges. They don' much like them sissy-pants cyclists down there. I feel for you man. Every member of my family is into cycling and every one of us has been hit by a car. You are very, very fortunate not to be more seriously injured. I think that it is despicable that the cops wouldn't come out to the scene of an accident because you weren't seriously injured. WTF.
Anyway, with the lawyer issue. It sounds like you are heading in the direction of listening to your conscience and just moving on with your life. That is likely the way to go. Any settlement you get through a lawyer could drag out for months or years and might end up leaving you feeling bad about yourself. Probably not worth it.
You mentioned that the insurance company said that you have two years (?) to file your medical claim. While I might not wait that long, you might wait a bit. Medical problems from accidents don't always show up right away. And while you are young now, you can't rule out the possibility that problems will crop up as you get older. Within the next two years? No, probably not. But don't rush to file your claim and sign away your rights to further compensation.
I hope that this hasn't ruined bike commuting for you. It is a wonderful thing to do for yourself fitness and health wise, and a great thing for the environment too.
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