Crash or drop, I fell off mine at about 15mph (in shop right now getting repaired). Not sure what to call it, there were several witnesses, the bike slide about 20 feet, no injuries to speak of so I thought it was a drop untill I got the insurance estimate $3700.00. For that much I think it should be an accident.
$3700 is in the realm of a tip over. Someone on this site (pre-crash) had their C14 totaled from a tip over in their garage (it fell on a large flower pot or something).
In Oregon, if the bike was in use (being ridden), then it automatically becomes a collision claim, which can go against your insurance driving record, meaning they will likely raise your rates soon. If it was "the wind blew it over", it is treated as a comprehensive claim, which is in the 'theft, fire, vandalism' category, and less likely to result in rates going up unless you have a history of them.
Every state has their own insurance laws, but if you have the option, you want it to be a comprehensive claim rather than a collision claim.