Had my first off today... In north geelong, heading towards melbourne. Where the 3 lanes split in to 2.... I was in the center lane, the right lane is the lane that ends. 2 cars sped past me in the right lane, and tried to merge in about 6 cars ahead of me. Caused everyone to slow, so we all slowed to about 40 - 50km/h (this was an 80 zone mind you) Then there mustn't have been enough room, because everyone stopped all of a sudden. I grabbed too much front (road was slightly damp), put a tiny scratch on the car infront before i lunched it in to the bitumen. Bloke infront stopped and bloke behind me stopped so i wouldn't get run over Pick the bike up, and what was left of my ego, and wheeled it off to the side of the road. Grabbed his details (guy i scratched) and he got mine, no idea who is gonna do what here. Both of us technically arn't at fault, but it goes on me cause i was behind him, therefor i hit him, therefor my fault... Here are the pics... Just wondering if its worth going through insurance? Excess is $500. Insured for market value ($5000 they said, only had insurance for 3 months) DAMAGE LIST Helmet (replaceable under insurance) Right foot peg and rear brake plate snapped (see pic) Right fairing totally scratched and scrapped the to all hell Steering bent (bike still starts and rides fine, steering is just crooked. Doesn't wobble) I probably hit the road going about 40km/h I'm fine. Few grazes. Had my leather jacket (no plastics though), draggin camo's and tackie dacks underneath them, KBC helmet, rays outdoors balaclava (it was cold), and Nike Air Basketball boots (always use em). So yeah, reckon its worth going through insurance? Or just get a new plate, straighten the steering, and put up with a scratched fairing?