Sorry to hear about the loss of the bike, and I am glad you are ok. And yes insurance companys can be dicks. Good luck picking out your next bike. Me i like the bagger, but sure wish i had the Stryker or Raider. 8) I ride a 09 Roadliner, with bags, and just like the feel. had a chopper in the mid seventies, but had more stright up bike and just like having the floor boards.