good to hear you lived through it to start with. Hopefully your fully covered on your bike. IMO ya can't skimp on your insurance coverage with bikes. some companies can provide an agreed upon value for a fee. on my big bike i got a agreed value as high as i could get(and still afford) but still about 30k less than the actual cost. I could have got a actual value but i did not want to pay for that much. On my R i got replacement value. Again,, glad ya got through the T-bone as well as ya did,, the metal can be replaced as we all know,,,,
Darryl