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Sorry but no you can't. The insurance company have the option of repairing it or totalling it. Since the value of the bike is more than the cost and they want to give you value of the bike, why not take it? And if you really want to repair the bike you can then buy the bike from the insurance, who now owns it, and then have it repaired.

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Q: Can you force your insurance company to fix your motorcycle if they assess it as being totaled due to it being valued at 4500 and the repair costs being 3900?
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