I will try this again. I wrote earlier that I am a Marine Surveyor, which means I inspect boats, especially for insurance companies. Get a realistic and honest cost of putting your bicycle back to the condition it was in before the accident, which is what insurance actually was designed to accomplish, and submit this in a good written report. This will most likely end the situation.

If you are wanting a new bicycle, forget it. That is not the reason for insurance.

All the adjusters I work with want to get your case off their desk. A settlement is what they want. A good written report which they can put in front of their supervisor is the secret to ending insurance settlements.

It does not happen often, but when I am inspecting a marine claim I sometimes am confronted by the insured. Often they are hostile because I will not tell them they get a new boat because their X year old boat was damaged. As soon as they threaten a law suit I shut it down. If needed, I will get a company representative to be with me to finish the job. I will not discuss anything with the insured, or anyone connnected with the insured. I have been involved with a number of lawsuits as a result of my inspections. I have won all these lawsuits in court, with the help of the very expensive and talented lawyers the insurance companies have on their payroll. As a rule, the insureds would have gotten a very fair settlement if they would have simply submitted a "true cost of repair" for their damages.

I am an indepented inspector of marine damage. I find the insurance companies I work with, which is several in count, are very willing to work a fair settlement.

If you are working with an insurance company that is not trying to work out a fair settlement, file a lawsuit. I have fired two large insurance companies that I did not find to be trying to make a fair settlement. Now, understand, that is only two companies in over ten years I have been doing this. By far, most insurance companies want to work a fair settlement.