Im sorry all of this happened to you. No one deserves that....
With that being said, forum members can only do two things for you.
One thing would be to post nice things, like I did above. The other thing would be for them to be real honest, and point out how you contributed to your own situation. I dont think you'll like that, very much, but in ten years, you would probably look back at that as being helpful.
The part of the story you are leaving out is the most important. That part is you.
The shop offered you a horrible finance option, a way overpriced bike and some strange, and expensive add ons....YOU said "YES" and signed your name. Thats it. At this point, its not the shops responsibility to tell you not to.
YOU did not license something properly ..for whatever reason (they dont care, its $$$) and got a ticket.
YOU chose to ride in a way that a police officer noticed...that ended up as reckless driving.
Then, the crash happens. For the sake of argument, we'll pretend you are a professional rider, but people who wear riding boots usually dont have missing chunks of their feet and ankles, if and when they crash.
All if this led to your not being at work. Now, it is screwed to fire someone for being injured, but at some level, they run a company and needed someone doing your job. You were in a situation where you couldn't...what were they supposed to do?
I hope you heal up 100% and that you take this time off and use it to take a look at what you did wrong, and educate yourself on finance contracts, and insurance.
I hope im not being an asshole. I put some time into this and this is what I'd tell my own son if this happened to him.
Your not the first person who bought into a bad sales contract, and made some fairly poor decisions. I think we've all been there...
As far as dealing with the police goes....step 1 is dont.....never do anything that causes them to notice you.
Step 2, and this will be the final step. If you ignore step 1, step 2 is easy.....you do exactly as they say, followed only by things like, "Yes, sir..or NO, officer...." thats all. You know how I said they dont care about your license excuses? They REALLY dont care about your explanations. Thats all saved for the courtroom.
Failure to follow step 2 may very well get you beaten or shot. Again, another choice you'll have to make.
Life sucks and will always kick you when you're down. That said, you made some mistakes.
I too had compound fracture of my knee, but i was properly treated at a hospital, and my job was accommodating especially with my disability insurance. However i could not afford the medical bills or physical therapy and so i had some permanent repercussions to my physical well being, and temporary repercussions of having to pay a shitload out of pocket medically for the next few years.
BUt at the end of the day, I chose to buy a 2004 zx10r as my first sportbike when i was 21. I chose to ride in a tank top, jeans and tennis shoes. I chose to ride on the highway even though my dad with 30+ years of motorcycle experience told me not to. I chose to put all my spare cash into a monthly bike payment. I chose to get health insurance that would not cover more than 40% of a 5 day hospital stay. I also chose to say, i fucked up, and own the mistakes i made. I could blame the truck that pulled out in front of me. But ultimately, it was my bad decisions and lack of experience that caused me these issues. And blaming the truck got me nothing except knowing "uhuh" nods from other people that either had made up their mind, or ultimately knew better.
I have 3 zx10rs now. I almost never ride without significant safety gear. And i carry the max life, disability, health and vehicle insurance so that i never have to be in a situation where i can't help myself out. And i just recently broke my clavicle at the race-track, and it was no big deal, for the most part, and i will ride again very soon. But i had to learn the hard way at least once.
Its your turn. What can you learn?