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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.
Full coverage allows the insurance company to low ball you on the total value of the bike and its accessories and then take the bike. My bike is 8 years old and has quite few miles on it. The insurance company would only give me a fraction of what it would cost to replace it. I went to liability only since, if my bike is wrecked, I plan to get another and transfer as much of the after market upgrades to the new one as possible.
We all like to think of ourselves as rugged individualists. But when push comes to shove most of us are sheep who do what we are told. Worst of all, a lot of us become unpaid agents of whoever is controlling the agenda by enforcing the current dogma on the few rugged individualists who actually exist.
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