i've been through it with an 04 Daytona. if the cost of repairing the bike is more than the bike is currently worth (kelly blue book or NADA guide) it will be totalled. You can usually tell from the damages if it will be. For my instance it was all the "plastics" and fairings that needed to be replaced. those ****** are expensive. Anyhow, with labor charges, the dealership said it would cost nearly 2000 dollars more to fix the bike than the bike was worth. the insurance company paid exactly what the bike was worth (per NADA guide) and luckily it was a few hundred more than what i owed on the lean.
so, if you've got a brand new bike, you may come out nearly even with owing 6. otherwise, i'd let the dealer estimate the damage and if it's more than 7 in damages i'd make it back over to the dealer and yank off those aftermarket parts before they came to appraise it. some aftermarket parts will raise the price of the bike though. so it's a gamble on whether it would be benefitial to try to resell them (i.e. here, ebay)
eitherway, if they total it out, they'll pay a large chunk of that 6 that you owe if not all of it. like i said in my case i actually got paid a couple hundred for wrecking the daytona which i turned around and put on a speedy.
thorn
