Thank God For Life...Me and a crew of 7 more bikers were in wpb and a guy in a jetta didnt realize the light was red and almost slid into us and fled from the scene. 2 men bikers in our crew rode after him and caught him about 3 blocks away. The driver did swipe our back rider and messed up his totally-chromed vtx pretty bad. Everyone was okay...just 2 rear people had scratches. Still to be determined if the bike is totalled-but "my" guess damages to be valued at least $7000 (fairing, hard saddlebags, rear & front fender, sissy bar bent, rear chrome rim bent, chrome tag broke in half, billet front lights broke in half, etc in damages-(without including if frame was bent) Anyway my insurance question was...would his full coverage insurance pay for total worth of bike with/without additional chrome accessories?