<human>: Provide a brief overview of the text.

Hey all, looking for help from the hivemind for a situation I just got myself in. I'll try to be brief while giving all the major details. Please help!

I was recently in a motorcycle accident. I went through a yellow light and someone turned in front of me. I'm very lucky and still walking, but took a trip to the ER in an ambulance to the tune of $60,000. 

Police report came back and put me at fault due to witnesses saying I revved my engine to make it through the light. What they were hearing was me pulling the clutch in to downshift while I was still on the gas. 

Now here's where it gets extremely messy. Perfect storm of shit incoming:

A month prior, I moved, and at the same time got a new debit card because my old one wore out and wouldn't swipe. My motorcycle insurance payments weren't going through because of the old card being cancelled, and thusly my policy was cancelled. I did not receive any notices due to not receiving mail from the old apartment until it was too late. 

I also reached the age where I needed to sign up for my own health insurance, and I had not done that in time for this year.
<bot>: No motorcycle insurance, no health insurance, and a police report putting me at fault. $60,000 of debt that I have no way to pay back. My lawyer denied representation as well.