Hey Everyone! Some guy not paying attention, turned left in front of me and we T-Boned. I walked away (hospital later), and was able to limp my scoot home. His insurance has informed me they are covering everything. All the front end is toast, but nothing I can see behind there. I have an independent fixing it and he said the engine guard bent out the upper mounting lip and even though it could be hammered in, it will never return to powder-coat look; and that he considered that a "Bent" frame and he would tell the insurance co. it is totaled. I couldn't replace it for what they might pay and even though it's a 1998 80", it has only 15K miles and I want to keep it. He said he could fix it with a lot of effort, either hammer in the pulled out upper mount, or order a frame from Harley, if I wanted. Is he crazy, a crook, or am I a naive idiot? Should I take the "Total?" Should I take it to a dealer instead? He also said an adjuster might take one look at it and "Total" it, out of my hands. Could I buy it back? Should I? Any experience and advice is truly appreciated.