canegrinder So sorry to hear that! Hope your wife is ok too! Talk about double jeopardy!
I went through this in Dec 2020. If the dealer puts down the word "frame" in my experience it is done. The insurance company will total it. If you repair it and have faith in it you will have a branded title and you will have a SS that at best is worth 1/2 of its real value. If you try to sell it someday expect to have a difficult time doing it and at a very discounted price.
Get a list of all the goodies you put on it and the receipts if you can. Make sure you stay close with the adjuster as Ya this is their business but few have a clue about the SS and will just price it out as stock. In my experience I went back and forth ( in a nice way ) and pushed for a greater value. All the "candy" they said NO to I was lucky to have a dealer that said " there she is - go strip what you want". And I did. Things like carbon fiber add ons and dress up comes off with a heat gun and if you add it up it is substantial! They won't pay for it or add it to the value - Get with your dealer and get it back!
The things they did add value to you take a hit for it but it does add to their $ to you so let them have it. If you want some of it back be sure to ask what salvage yard it is going to and be the first one there....
Hope this helps you out and so sorry to hear of your troubles!