I've been in three accidents that caused me to leave my bike. The first time I got up and rode away, so did the car, everything was fine. Second time I glt flung over the hood of the car and threatened to kill the driver. My front wheel was ****ed and I had to walk home in a rain storm. My third accident I cracked my frame and got a concussion. I only got insurance info on one of the accidents because that was the only one where the driver stuck around. Dealing with insurance companies is worse than death, I eventually just gave up, which is exactly what they wanted me to do, but if I ever get into another accident I'm taking the driver for all I can get, **** broken bike parts for no reason.