I recently hi-sided at 30 mph on my 04 RG around a blind 90 degree curve, braking into a little dust/gravel before the curve; not very fast, but enough that I landed on my head, and the bike followed, rolling over me.
I'm lucky to have recived only a major concussion, bruised ribs, and a broken thumb.
I've never needed to contact the Insurance co (statefarm ) before, regarding any damage.
I was told by a dealer I was going to take it to, that he had seen where a new Ultra was written off for just falling on its side.
It is now at a private shop back in Canada, awaiting my Ins rep.
It's there because I was advised by a buddy that they will work with me on parts and labour, where the dealership will not.
I was also advised at the private shop, that if the front engineguard tab/bracket is bent, in his experience, they also automatically write it off.

As of now, I'm into a fairing; trunk; engineguard; handlebars; lever; maybe a bent exhaust...
MAYBE upper forks/trees/etc if there's any bend to them.
The bike starts and runs; will likely turn once the fairing is removed,
but finding neutral seems to be a problem...its a 6spd SE conversion. I also have the 95" kit w/o cams.
About a settlement/salvage: I was told that if the frame was done, and I got a new one, it would cost huge to re & re everything.
I'd rather fix my own than take a chance with someone elses used bike.
I would likely rattlecan the bike flatblack if that meant saving the cost of paint to put those $$ towards paint pr upgrading while I'm there (ie:changing handlebars which was my intention anyway this winter).

What should a <20,000miles 04 RG with the BB 95"kit(w/o cams); SE6spd; SE muffler kit;RR trunk; oil cooler; heated grips (i think thats it) be worth from a settlement point.

I'm just concerned that for whatever reason, if the rep writes it off, I'm going to be left w/ a cheque that won't cover my repurchase of same.
What do you suggest, and what are my optons that the rep/dealer might not mention.

 

You do realize that if the insurance company totals the bike (I assume that's what you mean when you say they might "write it off"), that they'd own it at that point and you'd have to buy it back from them. Then you'd have a wrecked bike with a salvage title, probably worth more to you than anyone else. If the frame isn't tweaked and you plan on keeping it until the wheels fall off, then go for it, otherwise start shopping for a new one.

 

Exactly what stro1965 said! EXACTLY!!!