Do I need a personal injury lawyer for bicycle crash, when I'm unemployed and uninsured?

I was involved in a classic right hook from a motorist. I was riding my bicycle down the sidewalk because the road was too dangerous to ride on the street. It was going downhill with no available bike lane, during rush hour. As I was riding down, the motorist takes a right turn, signals into the parking lot last minute. I panicked, applied my brakes which propelled me off my bike in hitting the right fender, damaging it. The motorist told me, the witness she was distracted looking for someone as she was turning. I was rushed to ER. The police report states I caused the collusion because of dangerous speed and riding on the sidewalk is forbidden in Los Angeles County (Manhattan Beach area), California. The officer omitted the fact the motorist admitted fault from the police report. I'm unemployed, no health/car insurance, medical bills stacking. Do I talk to the other parties insurance company myself or do I hire an attorney, which I can't afford, when the report is against me?