NEVER,NEVER,NEVER,accept the first offer from the insurance assessor.I had my K100LT wrote off after a car t-boned me in Huddersfield.They gave me an insultingly low offer and I refused it flat,I called the assessor and told him what I thought it was worth, and what I would have to pay for another bike of the same quality, he said send me proof then.So cut I out about half a dozen ads from a couple of bike mags with the front page of the mag with the date on, and faxed them to him(yes faxed!).They sent the settlement cheque next day.that's his job, to try to make you take a low settlement, you don’t have to take it, just keep arguing.