Thanks guys. Treeroot I may be in need of a frame.....
so whorl wind week Wilma is on her way to cruiser solutions in NH. where he will appraise her and work with my Ins adjustor, my goal is to fix her and get her back on the road. will see, that is my goal anyway. my body is doing fine some short term memory loss, or I now have an excuse for not remembering what the

says.
learning way more than I ever thought I would need to know about how insurance works. if I can pass on key points of my new found knowledge before I forget it

, it would be; make sure you have a high medical payout, your regular health ins does not cover you in an accident, and if you have restored your cruiser get it appraised. That is the reason why Wilma is going to cruiser solutions, mine was not appraised so this seems to be the best way to get a correct market value for her.
I will find out in the next few days what the course of action will be. they are apparently going to document the progress experience on their site
http://cruisersolutions.com/
Ideally they could pull out the frame and get her road worthy and I can work on the body work at home but we'll see.
as far as cause either the passenger side engine mount gave out and the engine slid over into the steering shaft or something in the box locked up I don't know another set of eyes on things might have a better idea.