For the record, I am not advocating any statement made below. I claim no responsibility for any actions taken or not taken as a result of this post. I do not recommend doing anything fraudulent, unlawful, or otherwise immoral.
That having been said...
I'm an agent in CA - every state is different, so read this knowing that you'll have to check it against your state's rules.
If you woke up in the hospital it means most likely that a police report was filed. If this is the case, the DMV will be notified and you may receive a point on your driving record - this means that your insurance premiums will go up provided that 1) your insurance company is in the habit of rerunning your motor vehicle report every once in a while, and
2) the cost of the accident exceeds the property damage threshold in your state (in CA it is $750.00), and
3) you are found to be at fault.
So, if your insurance co pays more than the property damage threshold you get upcharged and if they don't pay more than the threshold you don't get upcharged (even if they pay $749.99, and even if a police report was filed, and even if you are at fault). If you get a DUI, you're screwed no matter what and may as well get your bike paid for (in CA you're only charged for the most extreme violation for any given incident - a DUI trumps an accident, you don't pay for both).
A SINGLE VEHICLE ACCIDENT IS NOT ALWAYS YOUR FAULT - Since you were not cited, there is another way to go here (again, this is CA but see if these rules apply in your state). If you run into an animal, this is considered an "act of God" and you are not at fault. This would fall under your comprehensive coverage, not collision coverage - as such, there is no fault, no threshold, and you will not receive a point or an upcharge (the same as if your bike was stolen or vandalized or hit by lightning). If you swerve to avoid an animal and run into a tree, this is you losing control and you are
at fault. It is better to crash hitting an animal (comprehensive) than to crash avoiding one (collision). The animal must have darted in front of you - if it was stationary (sitting or laying in the roadway) then it is your fault if you run into it.
Ask to see the police report - ask to see the medical report. If there is no mention of alcohol and if your recorded statements don't paint a different story, think back... are you sure
you didn't hit a non-domestic animal (baby deer, coyote, big raccoon)? You want it to be non-domestic because if someone owns the dog or cat, your insurance co may try to find the owner in order to subrogate against them.
If you weren't in the hospital, you could say it fell out of the back of your truck while hauling - but I'd avoid this since the med report is there.
Your other option is to pay out of pocket - depending on the variables, this may still be best. You don't want to start a claims investigation that will end up catching what was overlooked - you may end up with that deuce after all, not to mention insurance fraud.
Another note - if you do go the claims route, check into gear replacement. Many companies consider your helmet/jacket/gloves/boots to be part of the bike, and will reimburse for these items if you remind them.
Good luck, and watch out for those possums. Oh yeah - don't drink and ride you moron. Hope this helps
In response to Thumper - I don't know what state you're in, but that accident was your fault. You "lost control" and dumped your bike. I know it was the most sane option, but that's not how these things work. Your insurance co should not have paid for your bike, and you should have received a point on your record unless 1) you did not exceed the property damage threshold in your state or 2) you are in a no-fault state (like Hawaii) or 3) Allstate gave you "accident forgiveness" for having been with them for x number of years. Some companies do this (mine does), but you'll be charged for the next one. Avoiding anything removes that thing from the equation - that's just how it is.