Oh man, hope you get well soon. I am just going through this and am still mending. My insurance co wanted to total my bike. In the state of Florida, if the cost of fixing it is more than 80% of its retail they will try to total it. Because I was/ still am laid up I knew I had time on my side, as the longer you can negotiate with them the more likely they will give in. In my case I knew the frame was still straight and most of the cost was in the pretty chrome pieces. So I worked with my dealership to get a quote just below the 80% mark. I had just spent the money on a big bore kit so I really did not want to lose what I had just put into it. If not for that I probably would have let them total it. Again best of luck to you.
Brian
