I have a friend who had a Chevy truck that he had taken great care of and had recently painted it using Mercedes Paint. The truck was real nice and clean but not "over done".
He was a State Farm insured. While driving to his shop one day, a State Farm adjuster driving a State Farm car turned in front of him totaling the truck. I figured he had it made. They tried to offer him less for the whole truck then he paid for the paint job. ( and he painted it himself !) Since he "restored cars" he needed a nice truck as part of his business.
Anyway, he documented the "market value" of similar trucks in great condition, obtained written statements from people who knew the truck and had a car specialist who knew the truck write a "value estimate".
He obtained a much better settlement.
So, do your homework ( your only sitting around healing anyways
) document bikes for sale all around your area including other states.
Be prepared to fight for actual market value of the bike. Unless of course they offer you more than market value or what you paid for it....then you sit on your tongue and smile !
Also, see if you have medical on your policy as they might pay you a lump sum medical payment regardless of how your medical bills are paid/reimbursed. That might off-set the 1K loss on deductables.
Good luck !
Heal fast Jon so you can ride fast !