Crashing sucks for sure. Glad you're ok. About the value of the bike, the "depreciated value" is all you're going to get, unless you have a rider in your policy that covers "actual value" of the bike and accessories. I'm guessing that you didnt because most people wouldn't want to pay for that type of insurance. As far as "the same model" being for sale on the showroom floor goes, you're wrong. The bikes on the showroom floor haven't been on the street for a year, and if they have, they're not being sold as new. I can't blame the insurance company on this one - would you pay top dollar new price for a used bike? I know I wouldn't and I doubt that you would either. Good luck.