After talking to the lender and the insurance company it looks like the only viable option for me is to sell the bike to the insurance company and not have a bike anymore. It's a shame because the bike was still completely functional aside from the cosmetic blemishes, but there's not much for me do in this situation. I realize that the banks and insurance companies have to protect their investments but it sucks to be on this end of it. My loan is paid off and I won't have an insurance payment anymore, but it's not especially feasible for me to get another bike right now and I think I'd much rather have a bike and some payments than not have a bike at all. Especially since my commute is much longer than before and the truck goes through fuel three or four times faster than the bike did. And the bike is more fun to drive than the truck or the station wagon. Anyway, that's that. I don't have much else to say about it at the moment.