Insurance is VERY likely to write it off, They would HAVE to get a new frame and the cost of doing the change is not worth it to them. remeber the place you took it gave you a quote of 20% of retail to do the repairs. That is if your buddy pays the bills. If the delaership has to deal with insurance that quote will likely balloon to 50% of retail.
If a dealership knows your paying it is always considerably lower. The insurance wouldn't, (no matter how good it looks permit a bent frame to remain, merely for their liability). If they let your friend ride a bent frame bike and he crashes he or his surviving family members could argue the accident was a result of the bent frame and sue their *****. Not worth it to them.
Is this bike financed? Does your buddy have the funds to do the proper repairs? Has the dealership checked it over throughly? or just done a cursory check? Depending o the dent and forces applied there could be "other stuff" out of alignment.
If a dealership knows your paying it is always considerably lower. The insurance wouldn't, (no matter how good it looks permit a bent frame to remain, merely for their liability). If they let your friend ride a bent frame bike and he crashes he or his surviving family members could argue the accident was a result of the bent frame and sue their *****. Not worth it to them.
Is this bike financed? Does your buddy have the funds to do the proper repairs? Has the dealership checked it over throughly? or just done a cursory check? Depending o the dent and forces applied there could be "other stuff" out of alignment.