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Get a FZ-07. Got my license in Dec and it is such a great starter bike. Both feet on the ground coming to a stop, it's sub 400lbs, and easy to maneuver around town and freeways because it's so nimble.
As a naked bike though, you'll want a windscreen right away, because anything over 40mph you'll feel the wind hitting your chest and it can get tiring/taxing on you quickly as a newb rider. Divert the air up and over your shoulders and you'll be fine afterwards.
But I also just got into an accident, fcker clipped me splitting lanes on the freeway (CA) and turned into me w/o looking. Won't know status of the bike until the shop has a chance to look it over with the adjuster.
If/when a decision is made about repairing it or making it a total loss, I would totally get a '17 FZ-09 if they scrap it.
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~loud noises~
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