Originally Posted by
tortugaflats
not sure how adjusting is done with a "totaled" bicycle. full replacement or adjusted depreciation of value of bike. would assume they will gladly pay full retail for replacement if the get in writing that you are not suing for injury.
Most adjusters don't know anything about bicycles, so it might also be in the best interest to have a bicycle shop inspect it for damage and have them write-up an assessment for the insurance company.