Dam RYE Thats COLD...
Hey CAM That bike is brand new, you should be getting full replacement value and that should pay off your loan in full. Dont let them give you any B/S, mention you will be gettting your Attorney involved and they will probably resolve it quickly. & You should still have the buy back option at that point as well.
Those dam insurance company's are pretty dam sneaky when they want to be... Fuckers..
Give them hell KHAM....