Im sorry you are getting screwed by your insurance company I would call them and tell them point blank I pay you A$$holes to insure my bike hence an accident you fix it and I pay deductables nothing else and I would be checking into a different company and tell them that also back when I totaled my 600 progressive paid it all..adjuster had it totaled before she even got past the fairings (custom paintjob) but like I said you are getting screwed out of this deal your insurance should fix it back to new at dealer cost or bike shop cost not at whatever cost she thinks is right...because she is wrong find me a stealership that gets less than 65 an hour in labor... I would run this one up her chain of command right to her supervisor and keep going till you get the results you want IMO
I've tried to the point of feeling like I may be pissing them off at my own peril . Other INS companies here in Florida as I said are ridiculously higher . Total for estimate is 'fair' and my only real complaint is that I have to buy parts myself up front if I'm doing work cuz check is going to be made out to me and lienholder. I just want to order parts put them on and get past it .