Join Date: Jan 2006
Location: Campbell, CA, USA
Been there, done that, but at a lower speed (about 30 mph) and on a much less capable bike (Kawa KZ-650). And I didn't walk away. After hitting all the brakes I had, I ended up launching myself off the bike and over the hood of the car, just in the split second prior to impact. This was in 1995, before the CA helmet laws, but I have always been a believer in helmets and was wearing a full-face. I ended up with cuts on both shins (from the spark plugs?), road rash, broken collarbone and broken wrist.
And it took 10 years before I chose to start riding again.
From the insurance perspective, I was not as lucky as you. The guy who turned in front of me (and then stopped!) was just out of jail for driving with a suspended license. So did he have a license or insurance when he cut me off? Let's just say that I got a ride from the accident scene in an AMR van, and he also got a ride "home" in a vehicle which was black and white in color.
I only had liability insurance on the bike, so it was a write-off (I think that I ended up selling the wreckage for $200), but it wasn't an expensive bike to begin with.
So what do I do when I want to get back into riding? Check out BMW's as my only choice. I'll take any advantage I can get against the cages, and all of my current (and future) bikes will have ABS!
Good luck with your bike replacement, and glad your physical injuries were apparently minimal.
2005.5 KTM Adventure 950