what it comes down to: is the resale value hit on a rebuilt title going to be worth more to you than taking this entire hit out of pocket? no use spending 2 grand to fix it up because youre worried about losing 2 grand retail value when you go to sell...how long do you plan to keep it? lets say you sell it in 2016, its 10yrs old...its a 2500-3k bike by that time, 2k with rebuilt title, you lose about a grand but already went outta pocket 2k to fix it... if you plan to sell it within the next couple years, you need to sit down and look at what these are selling for rebuilt and clean and compare the differences all that is assuming that the transmission isnt fucked up, if the trans is fucked up like you first thought it may be, then ide say let insurance total it out and get you something else in my honest opinion....if it were my bike, and i didnt have any kind of sentimental attachment to it, i would let insurance total it out, then ide buy it back if the price was right and flip it for a profit wrecked to someone who wants to make a track bike out of it, and take the money from wrecked ninja and add it with leftover from insurance and get you a nice clean titled bike