there seems to be lots of posts about collisions/mishaps/whatnot lately...i'm wondering how many people jump through all the hoops to get some kind of claim through insurance (not necessarily your own)? i got t-boned by a cabbie at an intersection. luckily, only my front wheel was damaged (taco) and i was wearing a helmet (cracked). i stuck around for an hour for the cops to arrive because i'm sure as hell not paying for a new wheel. on a sidenote, i didn't have a front light so the cop couldn't fully penalize the cabbie..i.e. no ticket.