Just wanted to share my accident experience. I scratched the side of the D-Tracker, front and back panels, bent the handlebar, scratched the left mirror, front light, front fender, gear pedal, clutch lever, flashers, and a few other items. The item list the dealer assembled was about 15 pieces long. The real shocker was the price: 2500 Baht. Each part cost anywhere from 75 (clutch lever) to 500 Baht (front light). I got the premium insurance which has a 5000 Bht deductible. I have to say now that if you get it for accident damage, it's hardly worth it unless you manage to total the bike. The upside is: Amazingly cheap parts!