new upperstay I'm guessing is about $120 new fairings $500 exhaust (i'm not sure) helmet no more than $200 unless you're rocking a shoei or suomy Also your bike is a 2004, so like likwid said they're going to give you the cost to replace those parts on fair market value and at least with cars, they can replace with used (like new) parts after a vehicle is 2 years old or certified aftermarket parts. I don't work for an insurance company tho'... so I don't know for sure, but you never know, they often times don't know as much about motorcycles as they do about cars and I've seen them total out bikes that could be fixed for about 1k if you were good at shopping on ebay.