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I would need to sell the bike for at least 3k after fixing it to make out better than taking the payout. However, then I will have a bike with a salvage title, that is that much harder to sell. .

Looks like I will be taking the payout and the insurance company will be doing the part out...
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In my experience Bikes with salvage titles go for about 1/2 to 2/3 of the KBB value.

Bill. "I spent a lot of money on booze, birds and fast cars. The rest I just squandered." -George Best