If you owned it, you claim on your insurance.
No, a quad has 4 wheels and a bike has 2, the insureance and tax would be compleatly different.
Your insurance can vary based on quite a few variables, not just a claim. Some claims will not result in a premium increase and some claims will raise them based on the severity of an accident.
Yes there are a few major insurance that cover bike. GEICO, Allstate, and Nationwide all offer bike insurance.
The insurance company is now owner of the bike. Just as in vehicle claims where the vehicle is totaled, you may only reclaim the vehicle if you pay the insurance company a salvage value amount (the same price they are selling it to a junkyard for). Unfortunately, the insurance company probably does not want a bike, and may either demand refund of the claim payout, or just tell you to keep the bike. The insurance company was probably notified of the bike's return, so they will probably contact you. At least, that's how it is in Arizona. Your state laws may differ.
"Progressive, Geico, and Allstate offer bike issurance, however, classic bikes may actually be cheaper to insure due to the lower claims rate. Fully comprehensive and liability insurance cost more, and there are many coverage levels. Typically, insurance might run you $80-$300 a month depending on your coverage level and value of your bike."
Bennetts Bike Insurance advertises themselves as the UK's favourite bike insurance company. Their insurance includes 90 days EU cover, theft, loss or damage to the bike, accident recovery, riding other bikes, multi bike policy.
"*Lower rate (usually) than regular bike insurance
Yes, it is reasonable to own bike insurance if you use your bike a lot in a well populated place, or if your bike is expensive. You can never be too careful.
Insurance varies from provider to provider. Your state and local area charges its own price for bike insurance. You should contact your insurance provider to find out how much it costs for you to carry this type of insurance.
Well when you race in like crmc you do need insurance and just riding the road and the pit and things like that you might want insurance just in case you do fall and you break a leg and if you get your bike stolen. Try looking at Bike Sure for the insurance. They specialize in niche bike insurance such as this - http://www.bikesure.co.uk