in the long run I would get the bike fixed yourself,you can buy a complete set of panels including the tank off ebay for £400 (nothing in your colour) or you could buy just what you need to repair the bike,the problem with claiming off your insurance is the long term issues,the claim will affect your bike insurance and also your car insurance even with max ncb and protected ncb
An insurance claim WILL affect your premium, I had a non fault accident a few years ago in a car hit by someone uninsured with a provisional licence and had to claim through my insurance I had to fight to get it recorded as a non fault
I am still unsure if it will be classed as 'my fault' as i have 2 witnesses in the car behind who will back up my claim that there was nothing i could have done to avoid crashing.
in the long run I would get the bike fixed yourself,you can buy a complete set of panels including the tank off ebay for £400