don't know about progressive since I've always had State Farm so my answers are if you were covered with them...
Can I claim my gear?
most decent insurance companies will cover your motorcycle specific gear (helmet, gloves, boots, jacket). Don't expect anything for your everyday jeans or shoes.
Will my accessories be added to the fair market value of the bike itself?
shouldn't be a problem if you have receipts to show them. but if you're planning on claiming them then you can't remove them from the bike and resell elsewhere.
Recently put on a new rear tire. That too?
I would think an adjuster would say no to that unless it was recent as in like yesterday.
Should I rip off all accessories and sell them seperately?
only if you don't think the insurance will pay to cover them. if you think about double dipping on this you run the risk of insurance fraud and can possibly have to face the music on it later if they notice they paid you for something and it's not on there later.
$150 in towing (to my house). I better get that back!
only if you had tow coverage on your policy
What'll this do to my rates? <------Or just screw the insurance co, and part the bike out FTMFW????
You been there? You work in the industry? Did Progressive ever screw you
you're with progressive so you're either young or already racked up with tons of accidents so that no other insurance agency is willing to touch you with a 10 foot pole. either way, you're in their statistical demographics where they charge you a huge premium because they expect to be making payouts.
any claims you make will only make your rates go up even more.