Well, the final total from Progressive turned out to be $11,733.89. Minus the $500 deductible, they cut a check today for $11,233.89. I was a bit confused because they cut the check made out to HD Atlanta. When I called the guy he acknowledged it's MY money, not the dealerships, so he's cancelled that check and will be issuing one to me.
So, for those that are still reading, I would like to get some opinions. I'm just curious how others would proceed. As I see it, my options are as follows:
1. I have already spoke with the dealership about the possibility of signing the title on the bike over to them, signing the check over to them and paying the extra on a new bike. The one I was considering was a roadglide ultra that they have in the showroom. The hang tag on it shows about $22,500. They made an initial offer of taking the bike, the check and then me paying an extra $10,600 or so for the new bike. I threw these numbers around and ABSOLUTELY WOULD NOT do that deal. The number I had in my mind was more in the $5000 out of pocket range (+ the $11000 check).
2. Repair the bike as written up on the estimate sheet. It includes replacing ALL the tins, even though none are cracked or dented, just simply scratched, replacing the tourpak with the smoked lights as it was etc etc. I can change the color to any color I want (it would be big blue pearl). There are also parts listed on the estimate that I am positive do not need to be replaced (for example, the jiffystand and spring at a cost of $134 and the split vision mirrors at a cost of $119.95). Although this is the EASY solution, there is so much waste in doing it this way as I'm literally paying for things such as a new front fairing at a cost of $501 and new bags at a cost of $1,516 when all they have is surface scratches. These prices apply to all the parts, I just used those 2 as examples. If doing this I would probably also pay a bit extra and have the front end chrome and the inner fairing color matched.
3. Have the dealer remove all the tins and have them custom painted at a reputable local shop. Have the dealer complete all the other necessary work such as replacing the front forks (really the only 'damaged' part) and install the tins after they are painted. By doing this I can pick any paint job I want (kinda still lean towards the big blue pearl as I love that color) but potentially save thousands in replacing parts that really don't need replacing. Another option would be watching craigslist or ebay for complete sets of painted tins as these are often available. Again, doing this I would probably chrome the front end and color match the inner fairing.
Also, if there are any of you that have used or work at any local shops in the Atlanta region, let me know. I appreciate any input
2013 Roadglide Ultra, Big Blue Pearl. Madstad 13 inch windshield, Helibars, Mustang lowdown seat, Ohlins 2-2a rear shocks, Comfort rear crash bars, Airwing tourpak rack, 360 adjustable highway pegs, 'bright ass light' taillight, Boom speakers and amp, Daymaker headlight, Motolights running lights...buncha other crap