Remember when you have the bike shop estimate the cost of damages, make sure you explain that this is an insurance claim. Advise the shop that you want everything done at full retail pricing for the estimate. If the bike needs replacing ask for full MSRP + all of the applicable accessories + installation charges. This is full price to the insurance company (or the guy who hit you); they don't deserve any discounts. (After you have been paid & when you fix/replace the bike YOU may be eligible for the discount.)