I had my TS125R knocked over after parking in a marked bay at the side of the road. The woman (notice a trend? No offence!) backed into ot a sent it flying. Luckily it was just an indicator but she said "sorry, I didn't see it" handed me a tenner and drove off. How can you not see a great big yellow dirt bike in your mirror???
Anyway, the wife has had a few off's caused by other drivers and the last one the insurance coughed up £1200 worth of repairs on a 2001 DT125R. Now don't let the bully you, make it clear what you want and stick to your guns. I took over for the missus during the claim and managed to get them to cough up for new kit (gloves, lid and jacket) and also for loss of earnings while the bike was being repaired as she couldn't commute on it and had to make other arrangements.