Wow, this sounds like a question from the bar exam I took many years ago. I would strongly suggest you contact a defense attorney in the Spokane area to assist you.
Mr. Crosner is licensed to practice law in California and has been practicing law in California since 1978. The response herein is general legal and business analysis.. It is not intended nor construed to be "legal advice" but rather it is analysis, and different lawyers may analyze this matter differently, especially if there are additional facts not reflected in the question. Oftentimes the question does not include significant and important facts and timelines that, if known, could significantly change the reply and make it unsuitable. I am not your attorney until retained by a written retainer agreement signed by both of us. See also avvo.com terms and conditions item 9, incorporated as if it was reprinted here.
Consult a local defense attorney ASAP to investigate and protect your rights.
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I'm not sure that your friend, the registered owner of the car, has a choice about 'becoming involved.'
If you were given permission to drive the car, then the insurance coverage he carries applies.
If your license has been suspended under Washington's Financial Responsibility law, that probably means the other driver's insurance company wasn't aware that there was insurance coverage on the vehicle. Call the other driver's insurance company and give them your friends name and contact information, so that it can get in touch with him and obtain the insurance information.
Again, this presumes that you had permission to drive your friends car. You may lose the friend, but you may also get your license back.
A car cannot change lanes unless it is safe to do so after signaling your intent. Failing to do so will result in your liability for any resulting accident. If a claim is made in this regard, turn the matter over to all applicable insurance carrier either for the car or for you personally and request indemnification and defense. If not honored, call an attorney immediately.
24 Hour Attorney Call Center (314) 361-4242 or visit us on the Web at http://www.hoffmannpersonalinjury.com.
Even if your friend does not want to become involved, if you had permission to drive their car, their insurance will cover the collision. The collision you describe likely caused injuries to the motorcyclist. The repairs for the car, which it sounds like you can't afford to pay, are likely just the beginning- general damages for pain and suffering, and special damages for medical costs, will likely be much higher than the cost of repairs.
Your friend's insurance will not only cover the cost of repairs and medical care, but also the cost of an attorney to defend you if the case does not settle (and a lawsuit is filed). You should consider consulting an attorney specializing in automobile defense. You can probably find one in your area that offers a free initial consultation.