Aw, sorry to hear of your bad experience with other bikers. I've even turned round in the car to go back to check someone is ok if they are stopped in a questionable place. Not that I can really do anything being a mechanical numpty but will do what I can. I must have been lucky in the past whenever I've coasted to a stop as I've always had a fellow biker stop to check I'm ok.
I'm covered through my insurance and also have RAC, we also have a van so if local one of us will rescue the other or nip home for the van