Had a situation last week where a car turned left in front of me and I couldn't stop before hitting the passenger side of the car. CF bike is toast. My state is one of the few that employs contributory negligence rather than comparative negligence law
The ins co says the cost to repair my bike exceeds its value, so all they're offering is to pay current value.
I am not a happy camper. The driver even admitted she did not see me.
What options do I have other than a costly and time consuming legal battle? Somehow I just knew the ins co wasn't going to play nice.