my wife and I, two up, a few years ago got t-boned by a pick-up. Our local dealer asked what happened and what I was hoping to have done. When I told him I was hit by a truck he immediately said "so it's a write off then" before the bike was delivered by the towing company.
I guess what I am saying is if you have a good relationship with your dealer, there should be no issue in a write off. Any time a motorcycle meets a cage, something is going to give, for me with only two wheels I would err on the side of caution and push for a replacement. I received a complete write off and was actually paid out more than I purchased the bike for less than a year prior. had my check in hand 3 weeks after the wreck and went straight down and bought a brand new heritage Softail. Wife was a trooper, climbed on with her casted leg and crutches and away we went for a nice long ride.
The guy who hit us, we had a lowrider at the time, his insurance company wanted me to send the bike to a Honda shop as they were cheaper than the Harley shop. I politely told her in no uncertain terms the Harley's don't go to Honda tech's for anything. Lol