1) Keep all receipts for every little modification.
2) Know the laws concerning insurance in your state. Look up your bill of rights on the state insurance website. You have a lot more leverage than the average person knows-and the insurance company WILL NOT tell you about it.
Progressive tried to hurry me up to settle- I never even met anyone in person. Knowing that they must provide me all information in writing I requested such (and could tell it irked them)
After getting the paperwork I went over their math and estimates, found their faults (there will be mistakes) and pounced. It took them about a week after I submitted (in writing-email is great) to call me and cut me a check.
If your bike is hit and you can get it home- do it. Make them meet you face to face-you CAN influence the adjuster.
For your comprehensive covereage, make sure you have accessory coverage.
If someone's liability is covering your damage- take the first offer and throw it in the trash, grab all of your reciepts and fight to increase the value of your bike.
Getting them to cover mods, etc. 100% is NOT easy. I just got done battling with Progressive after one of their drivers hit me.
They totaled my bike because the L side and front fairing were cracked and the tank had a paint chip. Needless to say I didn't fight the totalling- I waited until they made the low ball offer, refused, and countered with making them re value my bike. The first value was resonably fair for market BUT screwed me in the settlment (after salvage deduction). After the re value-the price went up ~$1500 ( about what my asking price would have been) I made out with a respectable amount.
I knew nothing of this type of deal before I was hit. I spent hours looking up law, state regulations, and general information about the subject. From my first uninformed phone call to my last written proposal the adjuster must have though that I hired a lawyer-the situation turned in my favor rather quickly when I applied proper pressure.
2001 #62. Ohlins rear/valves, Micron high mount, HyperPro damper, SharkSkinz, Tyga billet triple clamp, Tyga Carbon Fiber fender and hugger, Ti bolt/custom subframe/alien motion 8 cell diet, 15/41 520, COP conv. PCIII, Venhill lines, modified air box, turn signals in headlights...<deep breath> ZG Touring windscreen, Tech G rear sets, CRF450 rear master w/HRC cover, Tokico 6 pots w/V-pads, CRG Bar end mirrors, PSR Shorty levers-use only clutch, wanna-be basic racer paint, Roman Gold PC wheels