In an ermergency - a case in which life or limb are threatened - you will be taken to the nearest emergency room equipped to handle your level of injury and treated immediately - insurance card or not. You don't get to choose which hospital you go to just because you are concious or have an insurance card, most EMS services have to transport to the closest appropriate level of care for your injury or illness. If it's a 6 of one half a dozen of another sort of thing, you might have a say so, and of course if life or limb are not at risk.

As for ID - always always always carry something with PHONE NUMBERS on it. Your drivers license does not have phone numbers (well it doesn't in Texas anyway, I don't know about other states.)

EMS and ER staff check pockets, bags and shoes in that order pretty much for ID. A seat pack may go unrifled through if no one happens to notice its still on the bike.

I ordered the little metal engraved dog tags.