That sucks, but glad you're OK. This reminds me of an incident I had back in '89, in college. I was riding my Nighthawk around campus and I was about to cross an intersection that clearly had a green. Suddenly, out of nowhere, some chick just steps out to cross the intersection without even looking. At first I thought WTF not expecting her to actually proceed, but sure enough, she kept her stride, just looking straight ahead. I had 2 options: either I lay it down, or I would hit her dead on, because I absolutely had no time to evade. I laid it down, and rolled off as my bike tumbled forward towards the oncoming lane. In fact, my bike went right past her, barely missing her as she jumped back. So as I lay there on the road, road rash aplenty, and as I watched my bike spewing gas out the tank, with bent bars, shifter, broken headlight and signals, and a messed up tank....the only thing this girl had to say (and I'm not kidding, this is her quote) "Didn't you see me walking?" as she continued on her merry way, holding her books to her chest, with her nose in the air, and her torso shifting with each step as if to counter balance each stride she took. A guy in a car behind me came to my aid, and before I knew it, she had disappeared.
I had to push my bike almost 2 miles back to my dorm, with asphalt filled pizza elbows and knees, just to add insult to injury.
Anyway, you can probably get your tank fixed for less than the deductible, but double check everything, even though it seems to be a minor drop.