Ouch. Tough break, Pellaz. Sorry to hear it.
*shakes angry fist at all SUV drivers*
To tell the truth, I've only been in one accident, and it was my fault. However, I'd go to your insurance agent and talk it over. I come from a small town, and thus am on a first name basis with the agent. If you have trust in your man, I'd just have a conversation with him... I don't know if big city insurance agencies are different, so perhaps that isn't the best choice for you. Either way, hopefully someone else can give you the perfect advice, and good luck!