I have been riding 35 years, never had a serious bike accident before,,, fell off a few times, did some stupid things. but nothing like this at all. My advice however is you SHOULD strongly consider getting an attorney. I
DO NOT believe in accidents as an income opportunity. let me state it again, I DO NOT think a wreck means a big payday.
But i can tell you from what i have been told by lots of people over the years, including many who did or used to work in the Insurance industry. The insurance companys are NOT your friends. Even your own Insurer. Their business model revolves around paying out the least and minimizing expense.
Studys show,, that even giving up 30% (standard) or even a negotiated 20% to an attorney you still end up with a better settlement that if you tried to do this yourself. A local guy in our Norton vintage bike club is also an attorney and was clobbered by a driver,, he got the run around himself from the insurance companys...
Police generally dont take the side of bikers, just the facts, I can tell you many storys, but in my case the police have been awesome, I couldnt ask for better, but it helps the person who hit me was drunk and theres no shortage of outrage over what she did. Ill send you a PM about some resources you should read... make your own decision. but be careful what you say and who you say it too... the insurance companys are going to be very eager to do recorded statements and get this done before you have an attorney involved. Im not going to say an attorney is perfect for you or you end up with a good one. But its something you should look into and soon, rather than later. dont rule anything out until then.
in the meantime, stay safe and appreciate how lucky both of you are. I personally am very thankful myself each morning i wake up. Several people have told me i have now 2 birthdays. my regular one and the day i cheated death. The percentage of people who survive what i went thru is less than 1%, you gys are lucky as well, Dont forget it. I know friends who have died in wrecks at 25mph, Best of all, you survived.