My motorcycle was considered a total loss after an accident. My insurance company wants to send a check for the total loss, as well as my accessories.

Your acceptance of the check from your insurance company will not impact your ability to file suit against the person who hit you.  You should contact a local personal injury attorney (one in your state). An attorney wil put the insurance company of the tortfesor on notice of the claim. After your medical condition stabalizes, they can attempt to resolve your claim, or litigate if the carrier for the other side is not willing to do that. Personal injury attorneys take  cases on a contingency basis which means you only have to pay if you succeed.  Additionally, initial consultations are free. You can use the "Find a Lawyer" service through this website to research personal injury attorneys. Then, visit each attorney's website and select a firm that has a record of successful verdicts. If you are unable to find a lawyer who meets these qualifications within your state, sometimes you may contact an out of state lawyer who can refer you to a qualified attorney in your state while providing support related to the issues of medicine. Click here and here for more information about me. Please note that by attempting to answer your question, I am not acting as your attorney. I will do nothing further to protect or preserve your interests in the absence of any additional discussion with you about this matter. John Ratkowitz, Esq. Starr, Gern, Davison & Rubin, P.C. 105 Eisenhower Parkway Roseland, NJ 07068 Office: (973) 830-8441 Cell: (732) 616-6278 Fax: (973) 226-0031 Email: jratkowitz@starrgern.com  Skype: john_ratkowitz.