A good friend has a BMW R100GS Paris Dakar bike (1984 I believe), and he was involved in an accident recently. He is an excellent rider/road racer and he and a few other friends were riding on a US Forest Road in Virginia, and the weather was wet and the dirt roads were very slippery and he crashed - he doesn't know exactly what happened but he was traveling about 15mph and his bike slid sideways and slammed him into the side of an embankment. He was hurt too badly to ride out and the Police/EMS all responded. He broke his collar bone and had to be hauled out in an ambulance, his bike had to be picked up on a flatbed truck - but the bike was functional and could be ridden had he not been hurt so badly. (And.....the VA police showed up at the hospital and issued him a citation for reckless operation - and he may need to drive back to VA to attend court!).
The motorcycle had a bent engine guard, turn signal and mirror on the right side, and a broken windshield. He got a few estimates for repair from bike shops and the cost was around $1,500. The insurance adjuster claimed the bike only had a value of $ 2,200, and they would total the bike if he pursued his claim - he could buy his bike back with after the payout with a "salvage" title for around $500.....so he could get his damaged bike and end up with $1,000 in his pocket and a bike with a salvage title that still needed repairs.
The insurance adjuster suggested that he not pursue a claim - that having a salvage title on his bike would forever hurt his bike value, and that since he was able to do the work himself he could likely repair the bike for $500 or less....and be money ahead if he ever decides to sell the bike.
Although this resolution sounds and feels very wrong, it seems to be very common when a motorcycle is damaged - and bikes are very often written off rather than repaired. The insurance companies use the NADA guide for the value, and it often doesn't really reflect the true market value of the motorcycle (unless the bike is a very current bike that is still very new and low mileage and still available as a new bike at the dealer....and the flooded used market is lowering the NADA listed values). The NADA guide for his BMW states the bike has a "GOOD" value of $2,156 - you can't find a similar bike on the market for less than $6,000, and some are asking far more as the Paris Dakar bike is valued by collectors.
https://www.cycletrader.com/listing/1989-BMW-R-100-GS-5004282904SO - The purpose of this "rant" is to make you aware that the insurance you carry on your motorcycle is not guaranteed to make you "whole" if you have an accident and need to file a claim. It is very likely that carrying any kind of "FULL" coverage that includes repair to your Savage is not likely to get you any useful money. Motorcycles are very expensive to repair, as the cost of "new" parts and the dealer labor can very quickly exceed the value of your motorcycle.....especially on our Savage motorcycles that likely have a very low NADA value - the value of my 2007 is listed at $1,020 low retail and $1,340 average retail.
For my little Ninja and my Savage I don't carry any insurance for the repair of the bikes - I carry the needed liability/medical/uninsured motorist coverage, and if my bike is damaged I am going to have to do the labor and buy the parts to repair it (which is likely to be what happens even if I paid for the collision coverage) - I do carry a stated value comprehensive on those bikes in case they are stolen, and I also include additional coverage for the accessories (helmet, radios, GPS, etc.). I do carry the collision on my 2 year old BMW, as it is likely to be very expensive if it needs repaired.
Here is a link to a business in the Cincinnati area that buys motorcycles from insurance companies - if you look through the inventory you can see how little damage it takes to get a motorcycle totaled....sometimes it is limited to scratches on the bodywork.
http://www.racersedge411.com/Here is a very long YouTube video that shows a fellow that slides out on his BMW GS and gets bodywork damage and a bent shifter....and the bike is totaled by the insurance company. This bike could be repaired pretty easily and made to be a completely functional bike again - however the dealers have priced the repair with all new parts to replace every piece that was scratched or bent in the accident, and evidently this got really expensive on this bike.
https://www.youtube.com/watch?v=yl-RJi1XZakOK....rant over. I just wanted to make you all aware that you need to review your policy and what you "expect" it will cover.