Some things to think about; 1) See what the insurance company plans on doing. If they want to repair it you may not have much choice (have it repaired or take the money and repair it yourself). But you can oversee the work and force them (shop and insurance co.) to do it correctly. Takes a lot of pushing sometimes but necessary on a bike I think. 2) If they total it would you want it as it was before the crash (with the right talent it can be repaired 98% as good as it was) or would you rather update? 3) If they total it and you buy it back does your state put "Salvaged" on the title? Might affect the resale value. 4) If repairing, be assured (either from doing it yourself or that the shop that does the work) that everything will be checked and put to original specs - especially geometry (frame, forks, wheels, steering head bearings, etc.). That means putting the wheels (front at least) on a trueing stand, pulling the steering head off and checking the bearing races, stripping the frame as necessary to measure for alignment. Stuff like this needs to be measured, not eyeballed. Talk to the adjuster about all of this. If you feel that something might not be checked properly you might consider a new bike. 5) if you get it repaired do not release them (insurance company and/or shop) from responsibility until you are sure everyting is right. Any problems here and call your state insurance commisioner's office. So many options! Good luck. Don't mean to sound like a know-it-all. Just things I've learned from rebuilding a lot of wrecks.