I don't understand why the insurance adjuster won't pay the shop an hour or so labor to tare down the bike and get a good look at all of the damages.He would only need to pay the shop that amount if indeed the bike is a total loss since if they repair the bike that labor would be included in replacement of what ever parts needed to be replaced.I know at our body shop cars dont get totaled on unseen damages.Just sounds to me like you got a lazy insurance adjuster.