suhawk305's bike

[will866_imp]

I don't know if will866 is an insurance professional, but I am and he is spot on in his advice. I would only add that the key to your situation may well lie in what the "gap coverage" provision in your loan says. If you are able to up your insurer's settlement offer a little and there is gap coverage in place, you will probably be in a very good position to get another 2014 and only have to finance a very small portion of the cost. Of course, this is assuming that the market price for a 2014 std is less now than it was when you bought yours.

So, negotiate in the manner that will866 suggested and confirm the terms of the gap coverage. Then you have to decide whether you want your old bike back or if you want to get a new one. Good luck.

Thanks. I have worked in insurance for a very long time although no one ever accused me of being professional. Hate to see anyone take a loss on something they paid good premium for.