Glad you're okay !!!
I was paying $390.00 down then $170.00 a month (full cov. from Dairyland, which was the cheapest by FARRRRR, when I got my Busa), and made a claim. When it was time to renew the plan I had to pay $500.00 first installment then $295.00 a month.
My claim was for my bike being stolen, which is probably worse ?? I went down about a year, and a half ago, and had the exact same damage, just other side. I didn't dare file a claim on that !! Sounds like maybe you should ??