'sorry, Kaz.
I've heard a lot of insurance companies will only pay "fair market value". To get more, you have to demonstrate that the bike is worth more and someone would actually pay more for it. When I had a bike "totaled" in the early '90's I got some first hand experience with this. I was able to find some ads in CycleTrader to demonstrate that my bike was worth more than the Kelly Blue Book price.
Overall, and you will be amazed by this, Progressive doesn't have a bad reputation.
I've heard a lot of insurance companies will only pay "fair market value". To get more, you have to demonstrate that the bike is worth more and someone would actually pay more for it. When I had a bike "totaled" in the early '90's I got some first hand experience with this. I was able to find some ads in CycleTrader to demonstrate that my bike was worth more than the Kelly Blue Book price.
Overall, and you will be amazed by this, Progressive doesn't have a bad reputation.