Yesterday I was struck by a car while making a delivery in downtown DC. The impact damaged my bike's frame beyond repair, effectively putting me out of work for now. Now, I've filed a claim with the driver's insurance and I expect them to cover everything. I'm just curious to know if anyone's ever been in this position where they were involved in an accident while on their bike, and if you've had to go through the insurance company to get things settled? If so, what has your experience been? Were you treated fairly and reimbursed properly?