hah, well.... turns out I didn't put collision on the bike. That's fine because filing the claim sounds like extra hassle and as mentioned, rates will go up. I think my rates will go up though because I do have 10k medical on the policy and I'm sure a decent amount of that will be used in the hospital. So when they get bills from the hospital, my payments will go up.
I'll take the bike to a yamaha dealer. like i said though, i think at this point i'd be best off turning it into a track bike (townie would appreciate having a track bike with a title). it would be cheaper to repair as the left headlight is ruined if i just got some track fairings. we'll see