Might be worth having the insurance look at it. I know a really good Yamaha shop/dealer. But i believe they will repair all makes. If the insurance comes out and looks at it and rules it as totaled, the shop will buy it back from you for 500 more than your buy out. Example, insurance totals it and will sell it back to YOU for 1000, as soon as you get the paperwork done, the shop will give you 1500 for it. just something to keep in mind