Claim Problem-Insurance Company Low Ball Claim

I had a total loss motorcycle accident. My insurance policy had named addon's to the bike including helmet, windshield and bags. The insurance company is paying for the helmet but not the bags and windshield. Said something about prorated. Additionally, they are not covering actual replacement costs for items like freight which is over $500.

Additionally, they are categorizing as a "collision". It was gravel on the road and I thought it should be categorized as comprehensive. i did not hit anybody or anything.

What can one do to fight a low ball claim offer?

Thanks,

Brad
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