Originally Posted by
zoste
best thing that you could do under the circumstances. Remember that the insurance companies are NOT in business to pay claims; they are in business to collect premiums. Don't ever trust them, not even your own.
They do however, have to operate in "good faith". Technically speaking, he's right. The frame's not worth to them what it is worth to you. Strip all the bits off and use the money for a new frame to build off.