Sorry to hear about the bike. It's a shame. If you don't like how much the insurance is offering you may be able to negotiate. The process may take a little longer and it's probably best to talk to a manager. I've done it with my wife's car that got T-boned. The car was old but it was well maintained and it better shape than most of it's age. Took multiple phone calls but the insurance gave me what I wanted for the car.