SO my Insurance comapny has deemed that my motorcycle needs more than 70% of it value to fix it and they want to total it and try to settle with me. They are offering: 4875.00 for my 02 vtx1800r w/ 13K miles <which is NADA> 2500 accessories 571.56 in tax to total 7946.56 minus 500 for my deductible=7446.56 The bike has a laundry list of items on it: T/S Bezels <Kuryakyn> - $79.97 Progressive fork springs – 79.90 PC 3 USB / Vance and Hines Exhaust / Barons Big air Kit – 982.33 Dyno Tuning after install of PC 3 / Pipes / Air Kit – 431.34 Switchblade Windshield and mount / National Cycle Cruiseliner Hard Bags and Mounts – 1354.34 Kuryakyn Laydown Plate – 61.89 Ultimate Seat P/N: 15040 – Ultimate Big Boy Rider Seat plain – 350.00 Ultimate Seat P/N: 11040– Ultimate Big Boy Passenger Seat plain – 210.00 P/N: P9800A Paladin back rest and pad – 150.95 P/N: P9900 Paladin Luggage Rack – 99.95 P/N: P9BR010A Mounting Hardware – 299.95 Also just put on new tires on front and back last May 2010, do you want those receipts as well? Custom Paint BD’s Custom Paint – 3000.00 This nets over $7K in accesories and i have a 8K rider for accesories and am only recouping 2500 for all. Something just dosen't seem right, but it gets better. The offer above is the 5th offer so far and started as low as 5500 in totality. I asked about buying the bike back and they told me 1800, then later i asked them to call their junk yards to get an accurate number and then he said that he got everything from 400 to 1800 as an estimate so they landed at 1500 as a final offer with the above total offer. They said that the final offer is 7446.56 after deductible and if i want to buy it back it would be 1500 for it. They said that the estimate does not include my riding gear which they have not estimated and apparently they have a seperate bodily injury person that still has yet to call me and it has been 3 1/2 weeks since the accident... Not sure what to do, i feel the bike offer is a slap in the face. i still have all of the stock take off parts as well at home, i was thinking about buying it back putting it back to stock and sell off the aftermarket parts and then maybe even the bike. What are your thoughts as this is my first time dealing with an ins company and a loss..