They're getting very good at cosmetic surgery these days;
not sure about the insurance angle, but even the first-draft
repairs are a whole lot better than they used to be. It looks
awful now, but once the skin heals and the swelling goes down
you may be fine. And later on, when you have some money,
you can always get dental surgery and other facial reconstruction
that is pretty amazing.

No matter what you look like, it's better to be alive than dead,
so all praise to the helmet that saved your life. Mount it on
your wall, give thanks to it every day.

And maybe you'll find some good kinky cycler chicks who look
at your scars as signs of manliness.