Keep away from AMERICAN MODERN inc out of Cinin, Ohio.. I speak first hand! Totaled my bike with a deer,,, they would not pay 100% on accessories, even thou the written police I had says it will... I hired an attorney who specializes in theses issues, a year latter I still only got 30% !! and of the Blue-Book-value all they paid was 90%,,, stating that the other 10% was profit & they do not reimburse profit.. Needless to say I have a new insurance co now...