I apologize if this information has been covered but after working through searches I wanted to bounce some ideas out to make sure that I'm understanding the basic elements in filing an insurance claim. I have never been through this type of experience before and feel kind of "lost" but don't have funds to hire an attorney, etc.
Basically, last week I rode to an intersection at a cross street (two way stop, one on my side and one opposite) and stopped to wait for cross traffic. A driver pulled up across the intersection and also stopped. When things were clear, I looked at the driver, thought he saw me, and since he was pausing and I had right-of-way, I began to pull out. He then pulled out (making a left turn) and hit me as I was about 1/2 way across the intersection.
The police came and a report was filed. The driver was not cited, but was given a written warning. I presume it was a warning rather than citation as it was "his word against mine" as to whether I stopped (I am certain that I did--I couldn't accellerate out of his way because I was clipping in).
I received scrapes, numerous small bruises, and one severe muscle bruise (I feel very lucky given some of the injuries that I've read about on here). I went to a family physician and had injuries documented--I have health insurance and was covered. I took photos of everything. The bicycle frame is bent beyond repair as are the cranks, pedals, rims, etc--I estimate about 85% totalled.
At the time, the driver assured me that he would pay for all damages as he did not want to pay a large deductible and risk an increase his rates (this was before the officer decided to give him the warning rather than citation). I have now tried to contact him and he is not returning my calls, so I may need to contact his insurance company. Because I have a homeowner's deductible that is greater than my bike's value I am sort of in a spot as my insurance co. won't represent me unless I pay the deductible.
What types of information should I gather, procedures should I follow, etc., if (when) I approach the insurance co? I can pretty well document cost of all of the parts as they are new--within the last 6 mos; I didn't buy a complete bike, but assembled from parts. I plan to take it to a shop and have it assessed for cost and replacement issues (the frame is no longer made). I'll also get the copy of the police report, perhaps an injury report from my doctor, etc.
I have heard that it is going to be quite difficult to get the insurance company to replace the full value of the bicycle. Does anyone have experience with this, suggestions, etc.? My post is already too long so I'll stop here, but if you need more explanation, just let me know and I'll post back.