I guess it just depends on the area for pricing! Also i just talked to adjuster and he didnt total it out. its $40 under total loss value so after deduct im getting just under $5k. But i still dont think i should have to pay a deductable since they are gonna go after the thiefs. Also i will never sell this bike unless the frame is broken. It holds a lot of sentimental value. My wife and i have been through a lot with this bike as we bought it New in 07. I personally took it out of the box!