depending on who your insurance agent is , i went down last year and bike was very beet up . Girl came out from gieco and i told her i would in no way accept it being totaled , so she cut me a check for 100 less then total price and she was on he way . was pretty cool i got 4k and fixed the bike for 500 ( track set of skins and new winshield) every side of my bike was damaged , hope it works out for ya