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Your insurance company should pay out to the full amount of what you insured your bike for, if you did !, and they should claim back the full whack from his company to his maximum.
I think Max is saying that the insurer of the person at-fault is solely responsible under Louisiana law, but that the other guy didn't have adequate property damage liability coverage. No subrogation of claims between insurance companies there, in other words. If that's the case, Max, your only alternative may be to go to court to try to recover full value from the other party.
If your own insurance company were paying the claim under your own collision coverage,
they would declare it totalled, and want the bike and title for salvage anyway! And they would be perfectly within their right not to pay you a cent otherwise.
Whether the OTHER guy's insurance can legally do that for damage to YOUR property will depend on your state's liability laws. In my experience, GEICO tries to get out of paying full value, and sometimes has to be reminded of state law. Don't take any insurance company's word for it or sign anything yet. If you really, really want to keep the same bike, you need to check with a lawyer licensed in Louisiana (AFAIK, none of us here are
) to get a definitive answer on how it's supposed to work there, and after that, maybe discuss whether you have grounds to take the guy to court.
