I got rearended by an F-250 while my Bianchi SL cross bike (full ultegra triple) was on a hitch rack on my SUV. The state trooper took about 50 photos of my car and bike. Any advice on how NOT to get screwed by the other guy's insurance company? I got two estimates from Bike shops as to the rplacement costs, which were within $10 of each other. Any help with my plight is much appreciated.