So one month ago a driver took an illegal left turn and I T-boned the side of his car, went through window, and left a nice imprint of my body on the body panels. My frame is bent, and being a 650 dollar bike, it has been deemed totaled. I sent insurance company quote from bike shop but they claim they still have not received police report. I do not have insurance because I do not own a motor vehicle, so I will not be compensated until the driver's insurance company pays up. I was not seriously injured in any obvious way, so medical expenses are not in the picture. My main question is whether or not I should expect to be compensated for transportation costs for the duration that I am without a bicycle? I cannot afford another bike until I get the money (I'm on student loans). I'm thinking about starting a fuss about my time being worth money too. I am a grad student and have lost huge chunks of my day that I need to study for my Dental Boards, classes, treatment plan patient cases, etc. Not to mention actually having to see patients. They compensate you for time lost from work. I've lost on average 1-2 hours of my time, 6 days a week because I am stuck on public transportation. Sometimes I've lost quite a bit more because I can't justify coming home in between classes so I get stuck at school for hours on end because going to my apartment and back during rush hour could take me over 2+ hours vs 30 min on my bike.. It's not something I would bring up if I didn't feel like they are stalling. I've never had to deal with this situation and am looking for input from people who unfortunately have.