Ok, I'm in a bit of a pickle... I never posted a thread about this, but a few weeks ago my dumbass left the R1 parked outside for about an hour and a half in the evening, and when I got back to my apartment from a chic's house, it was gone. I'm pretty upside down in the payments, and my insurance company is pretty much giving me the shaft. As it sits right now, I'm going to be stuck with owing about $7k after my insurance company cuts me a check for the bike. I've got a lawyer working on it, but it isn't looking very promising... Part of my warranty coverage with the bike includes '$5000 theft protection', which isn't too terribly terrific. In order to get the $5k, I have to purchase another bike from the same dealership within 30 days of settling with my insurance company, and the $5k goes directly to the dealership. What I'm thinking about doing is going ahead and getting a used bike after my insurance company settles (I figure around $6k or so for the used bike), using the $5k from the warranty towards that, and tacking the remainder of the cost onto what I'm left owing from the R1 (use the same finance company). That would leave me owing around $8k for everything. Then I could turn around and sell the bike for what I paid for it (around $6k or so), and get a loan from my bank (or another financial institution) for the remaining $2k...that way I'd only end up being out $2k for everything, instead of $7k. Sound like a good idea? Does anyone have any other ideas? The only other option I can think of right now is to sell the CRX and use the money for that to pay off the difference...and I don't want to get rid of the 'rex. and FWIW, I don't want this turning into a 'Damn, you've got bad luck' or 'Don't park your shit outside' thread. I already know both of these, I don't need to be told again. I just need advice on what to do financially. Mods, if you would kindly delete any irrelevant posts that are bound to be posted, I would greatly appreciate it. Thanks in advance.