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Sarek - I hope you're feeling better soon. Sounds like you were out of it for a bit. The insurance adjuster is the one who will decide how to pay off on your bike. If it's totalled, that's kind of cool. You can salvage whatever you want from the wreckage (like someone else mentioned, a still-solid frame can be the beginnings of an incredible custom bike). You'll just have to pay whatever deductible was established for your policy, and then go from there. Good luck with everything.

Cheers,
Loonette