I just went through a bike/car accident last year. The motorist's insurance company admitted fault and covered all claims. Since I built the bike from the frame up (ten years ago), I submitted a list of parts and costs from LBS and mailorder catalogs. My LBS told me to salvage nothing because of the force on the frame and wheels, turn everything in as a claim even if it appeared okay. No problem, they sent me a check for the full amount. They also covered all medical costs, and used a multiplier of 5 for the settlement offer. (My agent told me that was more than fair, I also checked with a lawyer friend and he agreed.) My agent also asked me to turn in the medical cost to him for reimbursement regardless of what my medical insurance paid. This is NC, I'm sure laws differ from state to state, but it never hurts to ask. Here in NC we have up to three years following the accident to advance the claim.