Totaled my 2016 last year , no injuries thank God, my Insurance company settled with the finance company and I got the remainder. They also would pay for any additional accessories or allow me to remove them which I transferred to my current bike. In NJ if the Insurance company totals your bike and you elect to buy it back you are issued a "Salvage title" which makes it difficult to insure or retitle. My advice is to cut your losses and let them total it and start fresh.