That's what I was afraid of; it really stinks, yes the insurance will want to total it. The only thing that saved mine from total loss was that I kept all of the receipts of upgrades and accessories, that brought the value of the bike high enough to avoid a total loss. I got lucky cause my frame didn't bend. Maybe the dealer that you took your bike would let you try one of the new ones out so you can see how comfortable it is for you, if you don't want to go through swapping the tank that is...
