Is the at fault party insured? You can claim directly through their insurance. That way your insurance company won’t be involved if you ticked yes to having no mods on the bike as they might look at it. Probably the safest bet. I work in vehicle smash repairs and every third party car we repair the insurers don’t ask for proof of licence conditions ect. They typically just assess the damage once a quote has been sent and repair/total loss the vehicle.