when dealing with the companies for a repair the MARKET VALUE of the bike is used to compare value versus repair cost. the best way I use to find market vale is autotrader.com or biketrader.com. I enter the system and set it up for looking to purchase the veh, I enter all the details and condition of my veh, then I set the search close and expand till I get 10 to 15 vehs
and take the top 5 and average the value, also if asked on the search private party sales no dealerships. that in the past has worked for me and my customers for insurance claims when totaling a veh. and its a bargaining deal if they decide to total your veh. if you used the previous search info you should have sale's of your veh and would know if they are offering a fair price to you and if not you can counter offer. if bike is totaled and damage not to bad you can ask to keep the bike and do repairs yourself at least here in ca you can

good luck