Long story short, my bike got backed into at a local parking lot and fell over. Guy drove off, witness got his plates and the police tracked him down. I filed a claim with my insurance company, and they had a claims guy come to my place to see the bike. the front fender is bent, rear right turn signal scuffed, stock exhaust scuffed, right mirror smashed, right footpeg cracked, front brake handle broken at the tip, throttle grip is scratched, and there is a small dent in the gas tank. What happens now? If the insurance company totals it, what happens to the loan? If they do not total it? I have a loan on it btw. The other guy has insurance, and he also offered to pay out of pocket for repairs (not involving the insurance company). Whatya guys think of this?