Wrecked my 2016 F6BD purchased new August, 2017, 4,500 miles. Best bike I have ever ridden. I got dinged up some with broken thumb, scrapes, much soreness but overall lucky. But, the bike repairs are appraised at $10,500. Blew me away since there is no mechanical or structural damage. Ins. company tells me they will 'total' it since the repair cost will be more than 75% of value (in TN). Do not know what 'value' they are using. Another representative will contact me to have that conversation. so....
Any suggestions:
how much settlement argument can owner have with Ins company?
bike is still at dealership that did appraisal...do dealers buy damaged bikes as is or take as trade-in?
know of third party interests that might purchase?

Just got the bike set up perfect for me w/ M*****d, Russel seat, Areo foot pegs, fork brace, luggage rack, heel shifter, etc.

What would you do OR what did you do in similar situation?

Thanks all. Thumb should heal in 4 +/- weeks to go.