Thanks again everyone for all the sympathy and suggestions.
I felt pretty bad about things for a few days, even though the police report states the other driver was at fault. I wondered about continuing riding, about my children, about my priorities, and also about how my moto-riding made me feel and how that could change. I went over the accident in agonizing detail again and again, and although I am not at fault, I still feel guilty, like I contributed to it even though I did not, at least not directly.
The bottom line is that I will ride and enjoy my FJR again. I like it too much to give it up entirely. I will think more about commuting, and I will do that again too, but I will pick my routes and times more carefully and avoid heavy traffic areas/times if possible.
I am feeling better now, not being badly injured was a big plus here. The insurance companies are talking to figure out who's gonna pay for what, and Dairyland (my insurance) sounds very interested in taking care of me 100+%. I am leaning toward letting Dairyland take care of it all, because I really don't feel like arguing with the other guy's insurance about covering specifics such as accessories and gear. It could cost me a raise in rates next year, but I don't really care at this point. I want the bike to be fixed just so, and Dairyland is my best bet for that.
The damage adjustor that Dairyland hired came out today and looked over the bike with me:
Likely NOT totaled, damage mostly on right side of bike except for an egg-sized dent in the left side of the tank where the bar-end contacted it on the initial impact. You know, I can't turn the handlebars enough to make it contact, but the dent is right in line with the bar-end. I had just put on a pricey Geelong's carbon fiber tank protector that the dent just touches. The forks must have twisted big time at impact, but they seem OK now except for a slight twist. I'll need 1 top-gun bar-end, 1 skyway slider and 1 moko bracket(bracket snapped from the impact with the ground, and bobbin pushed back into the fairing. Adjustor says slider saved me from a lot more damage), right FZ-1 mirror, windshield, upper right fairing, lower right fairing, fender, maybe the center cowling piece, maybe the main stay the cowling mounts on, some lightbulbs for my tach are not working, maybe will need new headlight assembly depending on the mounting tabs, rear brake lever/pedal, right saddlebag, right exhaust can (small blemish). Ummmm, I think that's it except the thing that worries me most: The right footpeg, brake pedal and master cylinder are mounted together to what appears to be a cast aluminum tab off the main frame. Well, that frame tab was broken off. The adjustor seemed to think it can be re-welded, which I guess will be OK, but I don't know. All in all, I am grateful it's not worse than it is, but a small part of me would rather it was totaled so I could just get a new(to me) one.
To answer a couple of questions: Yes, the guy responsible stopped, as did a witness. Said he was sorry, but he never admitted responsibility. The accident occured right after I turned on to a "parkway", with 2 lanes in each direction, center median and traffic in both lanes on my side. I was out in front of the traffic in my lane(far right), and the guy shot out directly in front of me as I was accelerating away from the intersection.
Main lesson learned: Never dismiss anyone as a threat until you are at home with the garage closed
