No experience here, but I'll second the advice to take time and be gentle with yourself both physically and emotionally. I'm still particular about drafting after my wreck a year ago December, and that was just sprains, contusions and lacerations. You don't need to make any major decisions right now.

W/R/T insurance, there's a big difference between a trauma like yours, that you expect to heal from completely, vs. an employee or family member with a chronic illness. Whatever happens in that regard, there's nothing you can do about it now anyway. That's why you have insurance - why your employer provides it for you.

Let go of self-blame. If you can learn from the wreck, figure out how you could prevent it from happening in the future, then great - I learned a lot from my last two, but honestly the learning and understanding of my last moto crash didn't really start until after I'd healed and gotten my new bike and started riding again. But blame - beating yourself up for something that's already past - that doesn't help anything, and it hurts you a lot.

(((((((kajero))))))) Take good care.