Tuff break, but its good it is not any worse than that.
Specgrade...not sure what to make of it myself. I hear of this happening to others...and never in a million years would think I would have a similar experience. What I can tell you is I fell on my back, knocked the wind out of me and possibly 3 or 4 ribs. I tried to breathe 4 times with my eyes closed...must have passed out. Dreamt of a warm peaceful environment with bright sunshine, and a voice told me it wasn't my time. I then woke up to see a much of EMT and firefighters bent over me telling me not to move my head and such. As a rational science teacher, I think my mind went to a happy place in protection mode. But who knows.
Speaking of insurance, good thing you aren't in quebec or you'd have to get your insurance company to pay for it, and stuck with increased premium next year, while the other driver gets off without paying a cent.