I laid mine down last year, bending the handlebars, scraping the left-side (cowling, bar-end, radiator guard, turn signal and generator cover), bending the shifter and shift tie-rod. Total replacement was about $400 out of pocket. I haven't yet replaced the radiator guard or turn signal - they're just scraped. Anyway, it was less than my deductible and had I claimed it, would have raised my rates probably 30%.
2000 Vulcan Drifter 800