I was recently cut off by a car at dusk. After presenting the driver with the repair bill of 2900$cdn (incl tax) he said "i'll have to get back to you" and said he was getting a lawyer. After 2 days of not hearing back, i called his insurance company, which seemed to know less about filling a claim then i did and i was told someone would contact me on monday once they had opened a file and needed all the information from me.
full details in this thread cars have got to stop hitting me! SERIOUSLY!!
So do i wait for the settlement ? or do i get the scattante that's on sale (ending today)??
I've heard mixed stories from;
i should only expect 50% of the repairs to be paid for by the driver,
i should only expect 80% of the repairs to be paid for by the driver,
the insurrance company may simply want the repair bill and the old bike, and would pay my local trek dealer directly,
or the insurance company would cut me a cheque.
3 out of those 4 scenario's it's to my advantage to buy the scattante cfr now with a coupon and save, then again, i don't work for the inssurance company, and the info they've given me so far is little to none, nothing is open around here on the weekends, and it takes people 3 days(out of 5 buisness days they're actually open during the week) to get an answer to one question.
Lastly i know my home inssurance only cover's 1000$ on bicycles.
I guess i could buy the scattante and save a 1000$, and then just claim that it's faster then ordering in all the parts seperatly and having a bike rebuilt (probably true). And that the 1000$ extra is going to be spent on upgrading the wheelset, stem, and seatpost, as those seem to be the only week points of the scattante bike.
Any advice would be appreciated, especially from people that have been in this exact situation.