I just went through a somewhat similar experience - I fell 6 weeks ago on a slimy wooden bridge and broke my pelvic bone. Honestly - I didn't worry about the insurance issues - as others have said, we pay for the coverage and are fortunate that the claims were covered.

My experience was that until I was cleared to ride, I didn't worry so much about getting back on. Once the doctor cleared me to ride, I was more nervous, thinking about all the things that could go wrong, etc. I ended up going for a short ride to get that out of my system and try to get my 'legs' back. By the 3rd ride post fall, I am pretty much fine and comfortable but much more cautious and focused on ending each ride upright and in tact.

Go at your own pace and go when YOU are ready. If you don't feel ready, don't go.