Originally Posted by
revchuck
@
Ttoc6 - Glad you're relatively okay!
If you built the bike up from a frameset, make sure you have a bike shop do a repair estimate that reflects that. The estimate should show full replacement value of anything that's damaged. Right now that appears to be at least the frame and one wheel; shifters usually get scratched up, as do the RD and saddle. If something is dinged up but still works, it still needs to be replaced. If you had, for example, ten-speed Ultegra which is no longer generally available, the estimate needs to show the replacement cost for 11-speed Ultegra. Don't be dishonest, but don't be nice either. It's the driver's insurance company's responsibility to make your bike whole again.
This is good advice to follow.
And your if you aluminum frame has a good dent in it, it needs to be replaced. Aluminum does not like being dented. It will eventually crack and tear. It may not happen today or tomorrow or even in three months, but if you continue racing it hard, it will happen at some point. It's better to get it replaced now on the insurance money, cause once the insurer writes you a check, you won't get a second one.