I think you are misunderstanding the OP. Her insurance company is buying her a BRAND NEW bike. They will pay for a bike that is the equivalent of the cost and component level of her 1988 bike in 2009 prices. If her bike was third down from the top of the line in 1988 then they will replace it with a bike that is third down from the top of the line today, not a used 1988 bike on CL.
vjp
"The bike I am looking for is a Bianchi Osprey. I am looking for the same model year because the color combination was my favorite thing about the bike"
That's all I saw.
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In life there are no mistakes, only lessons. -Shin