I wrecked my BA some years ago. They totaled it out. I bought it back and I have ridden it a lot. I'm currently doing some upgrade work on it. I bought a Speedmaster while working on the America. Everybody wants the parts, the motor, transmission and wheels can be sold for a lot more than the salvage or buy back. All my America had to have was a new front wheel and the fork tubes straightened. The rest was cosmetic. But it back! Use the rest of your cash for down payment and get a new loan on the new bike. Why have two bikes, "Because you can!"