When I insured my bikes, my insurance person asked what each bike was worth ,they agreed with the price. When the 5 of them were all under 6 feet of flood waters, they were totaled. I wanted to take less $ for them if they didn't " total "them so I could rebuild them and put them back on the road....Progressive Insurance said that " totaled" on bikes that old didn't mean much it just meant that they would pay for it and I bought them back for $35 each without sending paperwork, they just deducted the $35 for each bike from the check since they aren't interested in picking up the bikes or owning the titles....I kept the bikes and the policy on those bikes current, so there was no problem renewing the reg. cashed the check and rebuilt all 5 bikes....back on the road with like agreed....I keep them insured under the same policy today. That's my story but I wasn't in a multi vehicle accident either.
You have to make sure what their policies are, talk to claim agent's supervisors not just the claims agent, they have no idea what the policies are. They just do business as usual...get it off their desk quick who cares. Do this before you agree on a price, at first contact tell them you 'd like your bike to remain with you saving them a pick up fee and without a mark on the title because it's a classic and you will be rebuilding it. The sooner you find out what this guy's insurance company will do for you the better.
Perhaps your insurance company would be a route to take ,if they agree to it , perhaps they can help.
Glad to hear you're alright and the best of luck with the ins. companies.
