Knifemaker
Not me
That is why our insurance is going,goingand still going to go up because of non wrecks with others. If it is cosmetics bite the bullet and pay for it your self. From what I have seen a little shopping on the net and a good painter you save your premium from at doubling for several years. i would do a line item cost of repair andf compare yours to the estimate . Remember you already have 500.00 into it
Just a different twist of thought and approach.............
Insurance is not going , going , going up because of wrecks like these. Insurance is going up because there are more crappy drivers and repair/parts prices are going up. On avearge, most folks involved in minor accidents do to their own fault do not report them to their insurance companies. High deductables and fear of insurance cost rising is the number one reason here. When I got my first insurance policy some 35 years ago, I had a $50.00 deductable. They don't even offer that as an option now..most are $500 to $2000.
Motorcycles take up a very very small part of the driving public and factor little into an insurance companies "profit margin"... so you, me , and the guy next door could report claims on our bikes and costs for motorcycle insurance would not go up. Insurance company studies on states that have helmet laws compared to those that don't showed little diffrence..(to the overall cost of insurance)
Although I do appreciate posting a "diffrent twist of thought " here, my view, as these are all just opinions, is that it IS a new bike and the repair costs do seem alot higher than 500 bucks...I would put in a claim and have it made new again.....
KM