Get a lawyer. You ever try to deal with ins. co's on your own? I actually did, after a motorcycle accident where I broke three ribs and my bike was wrecked, spent overnight in the hosp. etc. There I am "dialing for dollars" and getting no where because the ins. co's love making mincemeat of people who try to take them on alone. Well, needless to say I've got a few days off of work to heal up and there's all this awful daytime TV on, with plenty of "ambulance chaser" lawyer commercials. A lightbulb goes off over my pointy little head, and I realize that's just what i need. Open the yello pages and look up a motorcycle lawyer, a couple of weeks later my medial bills are all paid, and I get enough to get a new bike. So, get a bicycle lawyer.