ok so you got paid. did you have gap? it was offered when you bought it. you dont need help now the rest of the story came out. your out of debt and now own a stunt bike. you can rebuild it if you would like or sell it with the COD title.. you can probally get 2-3k with for it. then you can take that and down payment on a new bike with it and start over. or not at all. even part it out. look at it this way, atleast you got it back and your out of debt. imagine if you had no insurance and owed 9600 on a wrecked COD bike