I dropped my Concours 14 a few months back. It took me 3 weeks to call Progressive. I told them I was in shock and needed to mourn before I called them. They were more than accommodating, sent an appraiser out 2 days later. We met for about 30 minutes, I showed him the damage and my concerns. He wrote me a GENEROUS check on the spot. Told me If I find anything else broken or damaged to just call him back. The check covered my damages and enough for my new ceramic coated dual Muzzys exhaust, computer re-flash, and new GPS mount and wiring.
There is no reason not to call and ask. You pay for insurance to be insured. Use it. Mine as well as yours will fall under "small accident forgiveness". Your rates shouldn't go up a penny.
Roads? Where we're going we don't need roads.