Can't you badger the woman that hit you to sort the forms out, I'm sure her insurance company doesn't mind her tardiness as it means the money is in their bank for longer.
I've only ever insured brand new bikes as fully comp working on the premise that if it breaks/gets hit the harley isn't very expensive to fix however this isn't the case with faired bikes.
What bothers me is there is such a huge difference in price between TPFT to fully comp - often more than double just so that they will pay out more quickly in the event of an accident and sadly even those with fully comp find themselves battling.
