Originally Posted by
Koyote
Given the other damages, and the fact that the other driver was at fault, I would ask his/her insurance company for replacement value for the bike -- on the grounds that there may be unseen damage. They may give it to you, and they may not even ask you to give them the old one.
Agreed. Take the old bike (or what's left of it) to the LBS, ask them to assess it for damage, and give you a written quote for the closest replacement they have in stock. Ditto for the rack. Lay those on the desk when you go see your insurance agent and see what happens -- I suspect it'll be a nice check made out to you.