I had the same thing happen to me. My neighbor knocked over my bike in my driveway. She said she lost her brakes. She decided to use my bike to stop her. Anyways, the insurance guy said that he didn't have the qualifications to accurately estimate a motorcycle. He told me to bring it to a dealer. I had just bought the bike 3 months before so I was pretty pissed off. I dropped it off at the dealer and told them I wanted it just like I picked it up 3 months ago, BRAND NEW! The said OK, wrote up the estimate, which came out to 3 thousand dollars, sent it to the insurance company. Once the bike was done, they sent out a check. The insurance company didn't question it. I thought it was a lot for the damage, but I think they don't have a lot a experience to gauge the damage, so they will take the dealers word for it.