I wrecked three bikes, all expensive BMW's while insured with Progressive. In each case the claim was handles fairly and quickly by Progressive, allowing me to buy a new bike. I always received full credit for extensive accessories in addition to book value for the totaled bikes, even helmets were reimbursed. My rate only increased marginally for these self induced losses.
Normal is just a setting on the dryer.
2009 R1200GS A, 2008 K1200GT