it sucks to bang up a nice clean bike, like everyone else has said, you ok and the kid is ok. Bike can be fixed. Shit happens. might have been some gravel or oil on the road. Try not to dwell on it.
i wouldn't turn it in to insurance. rates go up, and if they total it you'll have to get it inspected and the title will be rebuilt. if i were you, i'd fix it in time and save the hassle.
i've taken my 10 yr old around the neighborhood. that's about it. She'd love to go farther. she's been on 50's since she was 3 and has had a trx70 since 5 after i sold the xr50.
Welcome back to the area and the site. We'll have to ride sometime. ** Nice collection btw. i love the old Cafe Ducs. You have alot of bikes i wish i had. I hate you.