Since i bought my bike from competitive cyclist how would a frame replacement work? I was just gonna take the bike into a local shop and if it ends up having a crack in the frame do i get a replacement and have the guys insurance cover the new bike, i'd probably just end up purchasing a new bike from the shop i take it to instead of shipping anything to competitive cyclist. I'm gonna have his insurance replace anything that got damaged so in this case, my jersey got torn, helmet cracked, medical bills and won't be working for at least a couple weeks simply cause my job entails physical labor, and if the frame needs to be replaced or any other component that got damaged i'll have replaced as well. I'm only 22 and work part time so its not like i make tons of money to start with but every little bit helps so any lost wages from this injury i want to be reimbursed.