Bike accident

On January 18th at 14:30, I was riding my bike through Middlebury, VT on my way to work, and I glanced down for a second to look at my gears. When I looked up, the two cars ahead of me had stopped. I had almost no time to react, but was able to miss the first car, and then slid along the side of the second car, knocked off their mirror, and scraped the car's side, all without falling off my bike. I immediately pulled over, and went back to talk to the driver, who, I found out, worked at Middlebury College. She was incredibly helpful and kind, and walked me through everything I should do in a car accident (since it was my first one). We called the police, but because it was a small accident and no one was hurt (my arm was a little sore), they decided it made more sense to record the report and not to send anyone out. We traded insurance information, and I found out a couple of weeks later that she had a really nice heated, auto adjust mirror, and that to replace the mirror and fix the scrapes would cost $1400. I am now in the process of trying to get my family's insurance to pay for it, but I don't know how much luck I will have. I guess that I did learn my lesson though, and didn't get hurt, so that is something to be thankful for. Sadly, $1400 is one expensive lesson!