It was determined that the driver was 85% at fault, so I got a decent amount for my old bike, and will have most of my medical covered. At first his insurance adjuster claimed I was 40% responsible, but I was able to negotiate down to 15% (it was NOT an illegal U-turn that the driver made). BTW, since I didn't have an insurance company representing me, I contacted my auto insurance company to get the inside scoop. They told me what I should accept as fair and how the process works. They were very helpful.