[EsrTek]

Frugal said it all... I know from my 250 lowside, about $2000-2500 was their total limit.
They only did not total it out as I guaranteed, and had to prove, OEM parts where purchased and replaced by myself.

Taking the shop cost out saved me there...

The Fz6r, was more related as I was also rear-ended.
Visually it didn't look too bad...it was a total write off.

Are you dealing w/ your insurance company, or the other parties?
Either way, a lawyer be good idea, I did not bother w one, and pretty much screwed myself from being really compensated as I should of.
All in all, they basically just paid of bike, and I got the extra money from my gear and left w/o a bike and no way of getting another.
I did not want to make it a 'payday' event type issue and had faith the Ins Co would appreciate that and I would at least get a replacement bike that was only 6mos old!!
DO not follow my mistakes PLZ! Make that Ins company either fully OEM spec repair bike or replace it (some ins have this as option, depending how old bike is) or if pay it off, make sure you have enough to get another bike!