chuckv71 replied: "That sucks. I know. I went thru a similar experience related to a theft of one of my bikes. I don't know where you live, but in Illinois they have the IL dept. of financial and professional regulation, within that there are several divisions, one of them being insurance. You can file a complaint against your insurance provider. They are kind of like the "better business bureau" for consumers with insurance problems. Once the sheriffs dept. declared my bike "unrecoverable", (about 5 weeks after the theft) I had to fight my agent on everything, (mostly the value) I had just had the bike completely re-done (motor stroked and all new paint), and it appraised for 13,500...he was stuck on wholesale at 9 grand. Plus, they had to do their own "internal" investigation and appraisal, which takes....."a little while". After 3 months of arguing with them, I suggested that I was thinking of having the IL dept of insurance review my claim. I had a check for 12,500 (I settled for 13,000, minus my 500 deductible) in less than 2 days. Plus, I don't know if this is a state or federal thing, but the insurance company also pays the sales tax (up to the value of your old bike) and the registration fees on your next bike. I hope your state has an office similar to this, as it seemed to do the trick for me. What I can tell you for sure, is that the call to them, and any action they take is free to you, they are a state funded office. Unfortunately, you'll have to explain everything in detail once again, but they'll at least be able to give you a professional, legal answer as to what your rights are, and hopefully put some "heat" on your insurance provider."