You cannot buy what you haven't sold. Insurance covers the loss in the value of the bike NOT the bike. The bike is still yours. They are not buying it when they cut you a check for the loss in value.
EXACTLY!!!!!! and was said above too in another post...
FIRST....I hope you are going to be OK.......Glad it wasn't more serious but it is serious enough...
IT IS YOUR BIKE>>>>>>>YOUR BIKE no matter what the "loss".......don't let the insurance try and take it.....
they should :
1) Cover your personal injury
2) cover your loss MOTORCYCLE
3) Cover your loss GEAR (helmet, riding clothes, clothing, gloves, boots, packs)
4) Cover your Non-Factory "farkles" ( make a list)
5) Cover your Hospital, doctor, meds, appliances (crutches/braces), and medical supplies
6) Cover your Ambulance ride
7) Cover your Loss of use , loss of income (work)
And.....if this was a blatenly negligent act on the part of the driver .....I would stand VERY firm in your reimbursement(s) and care.
I messed up one time when I was in a rear end collision and settled with the insurance company when I thought I was OK....6 months later the doc told me I had lower back damage probably because of the wreck....