Last night there were some violent thunderstorms that came through my neighborhood knocking down a lot of power lines. Today, power was out at about 90% of the traffic lights, which then default to being 4 way stops. I live in Minneapolis, it's moderately densely populated, about as dense as you can get in Minnesota. It was a little chaotic out, with all the traffic lights out, and lot of people walking, biking, rollerblading and driving around to check out the storm damage, but people were pretty used to treating the intersections with dead lights as 4 way stops because about 90% had dead lights. But, that being said, I did witness a couple of people blow through intersections. I probably should not have been out on my motorcycle at all in this. I had just gone about 20 blocks down to the moto shop to pick up some oil. I was 8 blocks from home. Came to an intersection with a dead light, stopped, looked right, looked left, my turn to go, got into the middle of the intersection and then: "OH SHIT, I'M ABOUT TO GET CREAMED." The lady that hit me did not think about the intersection at all. Since she didn't see a red light, stopping never occurred to her. She got on the brakes enough to not kill me, but I did fracture my lower leg in 3 places. First thing she said when she got out was how sorry she was, she admitted fault to me, to all the witnesses and to the police. I only have liability insurance on my motorcycle. And no health insurance. The lady that hit me may or may not have insurance. The cop who took the police report said to me as I was just about the leave in the ambulance "she didn't have proof of insurance and she got a ticket for that, whether she has insurance or not we don't know." He kind of said it like her getting a ticket was supposed to make me feel better. It didn't. This all just happened this afternoon, and I don't really know what I should do now. Contact my insurance company? I don't really know what liability covers, but I kind of thought it didn't cover my medical, but the paramedics said it does, but they are paramedics, not insurance people. In my mind, everything should be on the lady that his me, medical bills, bike repair, etc... She was at fault and admitted fault, but I really don't know how this works in the real world, not in my mind. What would you do at this point?