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It's never been my experience that the payout is less than the replacement value. Last time I had a total loss I proved the purchase price, showed the improvements I'd made (new fairing pieces etc.) and gave an estimate of replacement value through the same channels I had originally bought it (ebay). The insurance company valuer agreed and paid me over book value because the mileage was very low for the age.
Basically, prepare your case with examples but also be reasonable about the cost of replacement. They will do similar research and they're not actually out to shaft you when you make a claim, we are all getting shafted when we pay for the insurance so they have that bit covered.
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...and sorry to hear about your accident, I hope you weren't too badly injured.
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Airhead
@konastab01
So was in an accident on my scooter a few weeks ago, scooters been wrote off by the insurance company. I feel they are gonna offer me shit money, is it worth sending over examples of others for sale and ones sold.
Thanks