There was a thread about totalling of a bike, or any vehicle, but more practical on motorcycles totaled for "cosmetic" damage. I couldn't find it with a quick glance, might have been lost in the data crash.
I hope not to mis speak here, but the gist of the discussion was you pay insurance for YOUR loss, not the insurance companies loss. When (if?) the bike is totaled, it is still your property, there is no "buy back" the bike, salvage titling, etc. It takes some fortitude on your part to stand your ground, don't throw this in their face at the beginning of determining the damage/replacement costs. It makes sense to me, wish I had thought/known of this when my bike was totaled for plastics damage. The insurance company may try to strong arm you, but they still need to pay you for your insured loss, and you still own the motorcycle. A lot of times you stand your ground and document, document, the insurance company will back down. They want a quick, one conversation done deal, make them earn their (your) money, you do not have to accept the first offer especially if you can document difference in value.
HTH