If you get out and go motorcycle shopping, your guess would be more accurate. Motorcycle claims are handled very much the same as cars. I speak from personal experience, not from a relative of a relative. I, too, had a V-Rod, like bossxii, with about 35K in it.Hmm... i would have to disagree with "plenty". If I had to guess, < 5% of bikes on the road could warrent a 9k repair bill, and that is not to say that they will even authorize it. My sister-in-law entire family is in private claims, and bikes are handled very differently than cars.