I just talked to the USAA rep. and she told me that USAA will go by their adjusters estimate and not the dealers... I think that is totally wrong!! I am going to take it to the dealer and get an estimate and fight for every penny. I can't believe that USAA (does not insure bikes) would have an adjuster qualified to do that kind of an estimate without putting the bike on a rack and getting a good 360 degree look at it like the dealers would. My bike is paid for, so I don't have to worry about another party being involved.