I agree, on a bike that old you do not need full coverage. Even if you did total it, as long as you was ok, you could fix it with parts off ebay for half what the value is of the bike.
Ride it like you stole it, and keep the rubber side down.
Stock Exhaust Mod
Front Flush Mounts
Integrated Tail Light
Xenon Blue Headlights
Titax Gold Shorts Levers
BTW: Her Name is Nicole
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