I'm not sure how insurance works in your state or any state for that matter but the reason I mentioned scratches on the frame was because my brother bought a crashed bike that had superficial scratches on the (aluminum) frame.
The insurance company had totaled the bike because in order to properly paint a frame you have to totally take the bike apart to do it which makes the cost in labor worth more than what the bike was worth.
I know it sounds crazy but that is how, at least, this insurance worked. The frame was not cracked, just slightly scratched.
He bought it with a "rebuildable salvage" title. For cheap.
After he repaired it and had it re inspected by the state police, the bike was given the OK for a new title but the new title still said rebuilt salvage.
So that's why I asked about the frame.