While I think all the advice here is solid, I would say that if you had been in a car, she would have hit you, and rubbed you into the guard rail. The serious issue here to me is that people are still being allowed to use their cell phones in cars. Why the car doesnt disable them at higher speeds, I cannot understand, every close call I have had has a cell phone and usually a younger driver involved. While I am sure it would not be popular, I am considering a jammer on my bike so that my bike has a decent sized bubble around it that cell phones just dont work. Add that to some of the stuff Scotty said and you are in a better situation.
Coupled with that, I constantly look at EVERYONE around me, if they arent paying attention to anything but their phone I either DocDuru and blow by them to get safe or I slow down and let them attempt to kill other people in front of them.