Insurance companies make money, the city makes money, & a bike shop (or craigslist solicitor) make money. All the while you get a bit banged up. Ain't life grand?
Hope you recover fully and prevail in the insurance mess.
This type of accident can happen simply because the driver has their head up their butt, but often it happenes when a driver is waiting to turn left in an intersection and counts the number of oncoming cars that have to clear, identify the "last" car after which they decide they can turn, and then attend to something else until the target car is about to clear. Human information processing is not quite up to the task of driving most of the time, and it's typical for a driver to only scan for one thing and tune out anything that doesn't fit the mold. People turn across large trucks all the time, or even drive right into the back or side of them, because they're literally only scanning for cars.
So as a cyclist you have to assume that you're invisible to an oncoming car that's waiting to turn across your path, especially when you're following one or more cars.