Hey, I guess I totaled my bike yesterday in a very stupid way: I came down south pass into Saline Valley in Death Valley NP and hit a rock that just chopped the oil inlet from the oil cooler on the engine side off. Only proper way to fix it would be to replace the Crankcase which costs $1500 (+gaskets, labor etc). Total cost probably >2000, that's why I think the bike is totaled. Anywho, my problem right now is: Will my insurance (progressive) pay for it? Since I'm German and over here only for this trip, I have never dealt with US insurance companies before and I couldn't find any helpful information online. I have collision coverage with a $500 deductible. Will they cover it, although it happened on a dirt road? If not, can I make them pay by telling them I hit a curb or something? Also I have roadside assistance from them. Will they pay for towing? The bike is still out there, 50 miles from pavement, so towing alone would probably cost me >$1000. If anyone has answers to these questions, I would be very thankful! EDIT: I don't want to call them and tell them the truth, thus not getting any money from them, if I could get money with a tiny little lie. That's why I'm asking here.