One of the laywers said if I went to jail then I would owe them nothing (their guarantee they'll work their butt off to make sure I don't go). They said they'll try and get no jail with $2,000 fine and 2 year license suspension. I told them I'd rather do 6 months in jail then 2 year license suspension with $2,000 fine! You'd only serve 4 months anyway (two thirds for good behavior) so I'd take that. Still undecided what to do. I've applied to legal aid so we'll see what they'll cover.
If the careless sticks it doesn't really affect anything with the insurance payouts, i'll still get bike cost reimbursement, lost wages, medical costs, etc. My insurance will DOUBLE for at least the next 5 or 6 years, and if I sue for my injuries/pain and suffering, etc. then I might not have much success being found at fault for the accident (my insurance company is putting the "fault" of the accident on the outcome of my careless charge).
-Jamie M.