So I'm wondering if anyone's been in a similar situation regarding trashed bikes and insurance claims. I had an unfortunate meeting with a left turner last week. I walked away just fine (panic braking practice paid off big time) but my bike didn't. Far as I can tell, most (3/5) major fairings are cracked or broken (fender, upper cowl, side fairing), the crankcase cover is cracked, the headlight is cracked, not to mention things like mirrors and levers. It also seems that one of the forks are damaged or bent. Lots of people are also suggesting the frame be checked out due to the front impact. So here I am, waiting for the insurance adjuster (who's already past his deadline to come). Meanwhile, there's a damn good deal on a bike that's exactly what I've been thinking of replacing mine with and it's slipping away while I wait for this guy to show up. At this point, I'm hesitant to make deposit to cement the deal until I know whether my bike is totaled or not. I'm not expecting much of a payout (it's a 14 year old VFR), but I can't take the loss if something goes wrong. So I'm wondering, has anyone else had a similar situation? What did ya do? And what are the criteria for a bike to be totaled by insurance?