Read my response to a member who was rear ended.
It should answer many of your questions, without the need to retype or repost, but feel free to come back and ask anything you feel I have not covered
The bottom line is start getting help now. If you want a recommendation I can put you in touch with someone I have worked with for many years and has helped many fellow members of London Bikers
I got rear ended, what happens now? - Help & Advice - londonbikers.com