I was Trek's warranty inspector back in the mid-80s. Got a call from a customer who bought a bike for her son. He crashed it into the back of a parked car and wrecked the frame; she wanted it to be replaced for free. Umm, no. The warranty explicitly excludes crash damage. I offered her a discount on a replacement frame, the LBS would transfer the parts at whatever cost they deemed appropriate. She hung up. Next. Got a call from a guy threatening to sue Trek. He had been riding at night without a light and got hurt. He felt it was Trek's fault because lights were not included with the bike. Good luck finding a lawyer to handle that one. Never heard from him again.