File a claim. That's why you have insurance in the first place. Here's what to do. DAMHIK.
1) On monday, call your agent if you need any sort of advice (I know mine personally, so I consult him on stuff like this.
2) Otherwise, call the # on your insurance card to report an accident. A single-bike, no fault accident is no big deal. No one hurt, no impact to other person/car etc.
3) They will tell you to get an estimate of the damage. So take it to your local shop and they can whip up an estimate for you. Your local Ins. adjuster may also take a look at the bike too.
4) The general rule with 'the estimate' is the insurance co is required to restore your bike to the exact condition it was in prior to the accident. Again, it's why you have insurance in the first place- don't be afraid to use it.
5) The Estimate is the laundry list of damage your shop whips up + estimated labor to put the bike back together.
6) Rule with insurance is they have to use actual OEM parts to fix your bike & create the quote with. Actual Suzuki stuff vs 2nd hand fairings / parts etc.
7) Once the Ins Co has The Estimate, they'll tell you if they will total out your bike (you'd be surprised how easy it is to do that) or the damage is within the range of what they will fix.
8) If you opt to take the money- they will cut you a check and hand it to you and done (less the $1000 deductible of course).
9) If you opt to have shop fix your bike for you, then the money would go to the shop to buy the parts for you and so on. But you'd have to kick in any extra money to finish repairs if the shop handles the entire process plus sources OEM Suzuki replacement parts.
10) My advice- take the check whether it's totaled or not and fix the bike yourself. Huge advantages in fixing it yourself vs paying shop to buy OEM parts plus pay full shop labor prices.
11) If they total it, and you decide to keep it, it will change the title of the bike, but if you plan on keeping the bike- no biggy. Regardless a totaled bike has a reduced resale value. If it's totaled, and you opt to buy it back, they'll have a formula they'll use to ascertain the value of the bike (less depreciation + mods if they are included in your policy- even jacket & helmet can be covered in some Ins policies), and they give you back your own bike plus the check.
12) Source your own parts with your Ins Check and you will likely come out ahead as odd as that may seem.
13) Lastly, consult with your insurance agent any step of this process. That's their job and they may have some advice you hadn't thought of. Single bike-no fault accident is not that big of a deal, just happens.
Btw, that thing under the nose is called the fairing stay, and it's likely bent. So you'd need a new one. Last time I got one of those, sourced it off eBay for a couple bucks.
banghead:. I guess that I should've taken her out in the cold. because she slid up from under me in the middle of a right turn. Any way I have a thousand dollar deductable. I was wondering if I should pay it or should I just purchase the parts and put them on myself. Two pieces on the bike that broke that I don't know what they are called(the first two pictures). Can someone tell what's the name of them? 
