damn, that blows. sorry to hear that. ur lucky though, man. a bud of mine ended up running into the back of a benz when a lady cut him off. he ended up going through the back windshield and getting jammed up in there. he shattered so much of his right arm that he almost lost it, but the docs were able to save it. if i were u, i'd get the insurance to buy a new bike and buy the old one back from them and part it out. i'm sure the engine is good enough to make a small profit from to get a few aftermarket parts. good luck dealing with the insurance.