On Wednesday morning I got hit by a lady in a Subaru that turned left into me. The bike and I went down and luckily I am ok, just a little sore. I am waiting on the adjuster to come look at the bike. I figure that it is probably totalled. If it is, how does that work? Where do they get the value from and do I have to take it? Any advice on how the handle the situation when he gets here?