First off if they told you it would be totalled because of the fairings they're blowing smoke up your back side. Now, frame damage is pretty much the largest factor to totalling your ride. I don't think anyone can gaurantee you that it hasn't been stressed to the point of near failure and say it'll be ok. Most ins. companies look for something around 80% of the bikes value as damaged. So, if your bike is work $10k you'd need to have $8k+ in damage for them to total it. I've never bought one back although I've never come anywhere close to totalling one. But again depending on damage and the availability of good replacement parts (i.e. Ebay) it could be streetable again. Be warned though, if you ever try to sell it as a salvaged vehicle you will most likely not get the money you've invested in fixing back.