So after being involved in an accident on August 1, being without a bike for the whole month, and then purchasing a whole new bike on Sept 1, I'm involved in another accident just today. The first accident involved me being hit going eastbound in the curb lane by a left-turning westbound driver. The insurance company still hasn't paid, even though the driver was charged with an illegal left-turn. Today's accident involved me being hit going westbound in the left-lane getting sideswiped by a left-turning motorist, who other drivers allowed through two lanes of moving traffic. The police officer said we were both at fault, and I agree somewhat, but what should I do in relation to insurance? The driver initially suggested no harm, no foul (as the impact tacoed my front rim and his quarter-panel, about equal to replace) but then when I took the bike to get inspected at the bike shop, the gear/brake hoods would take about $400 to replace as a set. Not to mention the computer at around $100 or so. Since initially, the total damage was estimated to be under $1000, considered unreportable in Ontario, and I'm somewhat at fault, what should I do?