This may not help you out but maybe someone else. I have accessories insurance on top of my full coverage. costs me 24 bucks a year extra and replaces EVERYTHING that gets damaged thats not stock. Paint, bags, chrome goodies, grips, whatever. If I ever use it once, which I hope I dont, it paid for itself. I had to inquire about it, as he may not have told me otherwise, but its something for everyone to look into.
