New tires are slick until you get a few miles on them to. I hope you heal up quickly.
You would most likely come out on top by making a claim. Kind depends on what they want to buy the bike back. I totaled my 12 streetglide and they wanted $8300 to buy it back. It was not worth it, to much damage.

 

The insurance will total that. Best of luck.

 

Depending on your insurance company?
I slid my new 22 RG this past winter on a slick cement paste in front of a cement factory. Right side saddlebag, Highway peg/Clamp, floorboard support was damaged.
Took pics of damage and sent to the insurance company. Got an estimate from local HD Dealer for parts ONLY (Planned on removing/installing new parts myself).
Had a check in 2 weeks, minus my deductible.
My point is, you may not have to tell them about the engine guard frame tab.
Good Luck!

 

It's usually the front brake that causes this type of ditch dive......only the front brake don't care.

 

if you like the bike that is probably tour best bet.

 

Actually I don't consider that LAYING IT DOWN.......
What you had was an accident.
Laying it down as far as I'm concerned is DELIBERATELY slamming on the rear brake and laying the bike down to slide.
Something I don't think I'd I ever do.......hard on brakes make you stop quicker than slicing flesh off your bones.

 

As said, you can buy it back and fix yourself. As far turning it in or not, add up the parts, weigh in age and driving history, and decide. And how perfect it has to be for you.

Depending on your situtation, it is possible you make some money on this, if you do the work yourself.

For me, one factor is, I am attached to my bikes, and don't want to give them up.

Some people will debate the semantics of laying it down, as in you laid it down because you thought it was better than the alternative of hitting something. I am not going to get bogged down with the lawyers.

 

Unfortunate about accident.
The pictures look painful....hopefully it will heal soon.
Regarding the bike..
You state "bent my front fender, broke my windshield, bent the handlebars and bent my front crash bar back including the tab on the frame where it mounts."
The tab is generally a new frame so a total loss in most cases.
I would calmly review the bike if you have knowledge.
Sometimes what looks like nothing is a lot when reviewed part by part....do not look at bike like just one item...you must detail each individual part.
Make sure to look at down tubes, engine placement and floor board arms.
The bottom of engine guard to frame should be suspect too if the tab is torn off and significantly damaged.
Taking a guess that saddlebags and mufflers are clean with no damage.
Unusual that grips, controls and levers did not take a hit.
Also unusual that handlebars got bent but never struck the tank.
Need to also look under nacelle at handlebar clamp for damage.
Look it over really well...$1,500 reads right if you are correct on parts and if you supply self labor but people sometimes do not detail items.
If everything else is well then I would be leaning towards a self fix with new take-off parts or new aftermarket and having tab welded.
The fender might be repairable and then repainted but it is hard to tell from picture.
Sometimes people have a $500 deductible so $1,500 is not too far away and insurance sometimes goes up after a claim.
But you need to really detail every part on the bike.

 

hope you heal up well dude, to ride again.

 

If you hit the the floorboard hsrd enough, it can lift the rear tire enough to loose traction and it will wash out.

The road rash looks nasty. I’d recommend having an emergency Dr. look at it. At a minimum keep it covered with an anti biotic lotion like Neosporin. That much exposed meat is prone to infection.

Oh yeah, maybe rethink that “dress for the ride, not the slide” philosophy.