You can in PA as well.
If you decide to settle and buy the bike back, it's usually for about 10% of the value, and you get the rest, less your deductable.
Before the insurance company will give you the money, you have to obtain a Salvage title for the bike, though, or at least they require it in this state.
Once you prove you did, they pay you the settlement.
This keeps people from buying wrecked vehicles, fixing them and reselling it with a clear title, when it was totalled.
Then.....you fix the bike, and go through the steps with your state to get a Reconstructed Title, (paperwork and pictures and an inspection) and a new VIN with a VIN tag that gets affixed to the bike frame.
Considering that you'll end up with your bike and about $3-4K in your pocket after it's fixed, it's not a bad deal.
Of course, most vehicles with a Recon titles sell for less, but you already made profit from the repurchase, of sorts,
“When the going gets weird, the weird turn professional....” ~ Hunter S. Thompson~
R.I.P. Rubberdown. 1971-2012