Idk why my reply didn't save but:

I did everything by the book. Gave her my info and insurance. I opened a claim and had them take a statement from her.

I offered her a $200 settlement to replace/repair her bike and she accepted. I surprised her with a waiver of liability and gave her the choice of $200 now or continue with the claim.

I think I handled it very responsibly as my first incident in my early 20s.

Do I feel guilty for hurting someone? Yes absolutely. At the same time I'm allowed to be glad to avoid insurance bs.

I immediately became a safer driver and I hope she was also more careful about going full speed on the sidewalk in the wrong direction of traffic.

Oh and BTW we even had bicycle lanes on the street. In my state you're treated as a car if you're riding the bike. She wasn't following the rules of the road and probably would have gotten nothing through insurance. Everyone told me not to pay her off.