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Old 01-17-2013, 11:33 AM   #16
Marko888
Adventurer
 
Joined: Jan 2007
Location: Okanagan BC Canada
Oddometer: 31
Most I know would let insurance prepare an estimate for the full repair, then cut a deal with them for cash instead of the repair, saving the insurance company money, then fix it themselves for 1/3-1/2 the cost via eBay and living with a few minor blems. In the end, they have their bike, 95% (or better) good as new for riding purposes, and carry on as usual. Spend the left oevr $ on a 2 week riding trip!

This of course depends upon your state reguations. Here in BC, there would be an damage declaration registered against the bike, reducing its future value a bit, but the bike can live on.
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