Well, I am glad to hear that you are ok and will heal up soon.
You should carry more than liability insurance on you and your bike. Full coverage is pretty cheap on a bike, mine is like $300 a year. Pretty much any wreck you have on a bike is going to total it.
You should get a lawyer, here in Texas if you are on the phone you are at a higher liabilty, and will be sited for it.
