No experience with bike/auto collisions that resulted in the bike being totaled, but have been in one single car collision and one auto/auto that resulted in my vehicles being totaled. My experience was that the insurance company will low ball you- they are essentially buying your ride in its post-collision state... scrap value.
Also, welcome to General Cycling from Introductions.
Last edited by no1mad; 03-26-13 at 06:05 PM.