FBB, dont let these idiots on the board get to you.
Glad you are okay, are your balls okay, you hit the tank quite hard when you crashed, I see the bump on the tank. As for the bike, it can be repaired, it can be fixed, it can be sold, but dont the towing yard have it.
I've been riding for years, and face is crashing is part of the equation. Its part of why we ride. I currently have liability on the bike but thats because i hardly ever ride, but I do have goads of life insurance (with the motorcycle inclusion, lots of them dont pay if its a motorcycle accident). When I do ride, I keep it careful. Night time is the hardest, since you can only see so much, i try not to ride at night and I try not to ride during the hours when the sun is in someone's eyes or twilight / dawn time.
INsurance will pick up the injury stuff, you should be fine. I am not sure who your insurer is, but when I got t-boned by a 87 year old 2 years ago, for me Kaiser picked all of it up. Though I wasnt injured like you.
Riding bikes is a lovely past time but its not really a good commute choice in So.Cal or Nor.Cal, we've all done it for commuting, I've ridden in teh snow, ice on the ground etc etc. But fact is that I prefer teh car, hence why my bike sits in the garage.
Next time shop around for insurance, I ride a 2001 GS500 and I used to pay quite a bit with Geico, but I have Markel American now, I pay roughly 56/yr liability, if I want full coverage with medical and all it comes to about 200/yr. Then again I got about 10 years experience on the bike.
get well soon.