Well, she's meeting me at the bike shop tomorrow to pay for 2/3rds costs ($300 bill accdg to LBS). That was the verbal agreement btwn us and she's going to keep it or I call her insurance company. She knows that much. But I hear you bdinger & others who said just hand it to the insurance company. My buddy, a lawyer, read me the riot act when I told him about the 2/3rds thing. I am not proud of how I caved but I feel I cannot change the arrangement. But if she balks, forget it. If she gives me more of the "be careful" jazz, I am going to lose it.