A garage fell in on it. While BMW owners don't have to quantify the performance characteristics of their replacement car, the car being replaced is specified in the policy covering it.

My point was just that, I don't know if my adjuster would have as hard a time grasping the difference between a $1k bike and a $3k bike, as he did between an $80 bike and a $1000 bike. The latter is a much bigger leap, percentage-wise.