Originally Posted by
TallRider
I'm looking for your best estimate of the probable risk here, not a careful lawyer statement. I'm not looking for legal advice.
The frame otherwise appears in good shape. My best guess is the denting happened while transporting the bike with other bikes, but that's only a guess.
Nope, and I don't think it would matter what you think/say to an insurance company lawyer, since you cede those rights when you ask them to arbitrate for you.
That frame is toast. It would appear that, since it appears to be in a shop, that they would agree with that.