This arvo after work I was on my ride home, filtering between parked cars on my left and stationary backed-up traffic on my right. This woman in a car made a right turn through a gap in the backed-up traffic across my path. I wasn't aware of the gap (my first big mistake) until she was driving through it and already across my path. I slammed on my breaks, at least one wheel locked up (second big mistake) and my bike threw me off. I wasn't able to stop short of where her car was but she'd cleared the intersection before I got there, so I didn't hit her car; all the damage was to me and my bike. The engine struggled to start initially but after a few goes it seemed to run normally until I got home. My handlebars are bent and I noticed some cosmetic damage to my forks, tank, pipe, brake lever and headlight. Physically the gear did the job, I've got a scraped knee and sore ribs, but nothing that won't clear up in a day or two. Now, I don't really know what to do from here. The driver and I swapped details, she seemed cool, was apologetic and not trying to blame me at all. I literally just got my licence yesterday, I can't remember whether my insurance (Swann) said it was automatic at-fault for novice riders or just L-platers. I don't know how me filtering would affect the insurance, or the fact I was in a kind of cycle lane. (Not designated with signs like "proper" bike lanes, dashed instead of continuous line between cycle lane and traffic.) I don't know how much it would cost to straighten the bars and whether making a claim would be worthwhile. Halp!