Originally Posted by joejack951

If the frame is damaged, you will get market value for the frame (you won't, but your LBS might have input on this). If your insurance co. let's you keep the frame and if you decide to repair it, you'll have to bear those costs.

When my Gunnar was damaged, I worked with Speedgoat through which I had purchased most of the components and the frame to build that bike. They helped me put together an itemized list of what was on it and the replacement value of each item. They put the list on their company letterhead and I sent it off to the insurance company. I received a settlement for the full value of that list as the bike less than a year old. When my LOOK was damaged, I received roughly 75% of the value of the components (minus deductible, as that was a hit & run) but that bike was over ten years old.