So last week I was involved in an accident with my V after a taxi cab turned in front of me. I don't really recall any of what happened, but long story short, I've got a smashed up V in the garage and my liability only insurance isn't going to help me fix it.
Of course not, but if the taxi turned in front of you (classic - "I didn't see the motorcycle" accident) he is liable. Did you get the taxi driver information (name, address, company he works for, DL #, cab number, insurance company, etc.)? Was the police called to the scene of the accident? Did they issue any citations?
Since you have liability only, Progressive has no interest in the matter. You have to file a claim with the taxi driver (or company's) insurance directly. You don't have to have a lawyer, but it can only help. If he was at fault, they should reimburse you for everything - medical expenses, gear and , of course, damage to the bike. Did you go to the doctor or hospital after the accident? Make sure you keep all the receipts.
mcampana - Buying insurance is a financial decision (other than mandatory liability). You figure out the cost to insure the bike over X years for collision and theft vs. what the probabilities are that you'll need it vs. your ability to cover the loss on your own if it's needed. For example - my d/s bikes never have collision coverage. It's more than likely that I'll damage it falling off while riding off road, if I claimed every single drop on a rock I wouldn't be able to insure anything I own.
mtgrim - Now I have to ask - how did you crash the bike that all the damage is on the upper part and there isn't a scratch on the bottom?