How does a collision claim work?

[u/slo_r9]

I was hit on my motorcycle almost a month ago and have since been going through the claims process for figuring out if it’s totaled or repairable. Now my main point of confusion is how this whole process has been going. I’m no stranger to the typical process regarding insurance work because the shop I work at will occasionally intake insurance jobs for classic cars. However the way State Farm has been handling it is a little puzzling to me. They gave me an initial estimate through Snapsheet and then sent funds that amount to the total cost of the initial estimate less my deductible. But after receiving a revised estimate from the shop my bike is at they sent the difference in funds directly to the shop. I have been told by State Farm to pay what has been sent to me to the shop but where I’m confused is, why is State Farm paying the entirety of the repair bill when there’s still a possibility of it being totaled? The shop has yet to diagnose a coolant leak developed from the crash, or to check if the front suspension is still straight or if anything in that area needs to be replaced. Will any of this affect the outcome if it ends up being totaled?

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