I know we all don't want to talk about this topic, but for informational purposes I was wondering something from anyone who has had this happen. For the record I was never hit on my bike but I was hit while running once.
So for those that have had their bike damaged/destroyed by a car, what happened when it came to insurance (aside from medical expenses). Did your Trek that cost $1000 4 years ago get replaced with a new equivalent model or did they cut you a check for $300 since it was a 4 year old bike?
I was paid full price quoted by my LBS without any depreciation for incident one.
For incident two I was paid full price quoted by my LBS + sales tax. The bike was 3 months old.
I can't speak towards medical due to the fact that I am still recovering.