Things to remember about getting police and insurance involved:
Police could assume the cyclist broke traffic code and caused the wreck, regardless of what happened. Police only show for serious injury wrecks because minor wrecks do not generate revenue through citations the way major wrecks do. Most states fund traffic investigations so a minor wreck like this one won't get bankrolled by the state.
The girl driving the car in this case will not lose her license, she'll score points and get to pay more money.
Insurance is not going to give you $5k for a $5k bike, they're going to depreciate to 50% or lower. Then, you get to either waste money on an attorney or just pay out of pocket.
It's best to deal with the matter privately after taking lots of pictures, keep a record of your phone call to police where they suggested they would not come out and make a report, then deal with the dude that hit you.