sad to say I have experience in this field. actually we did a poll &
pretty much everyone does. in all cases I found that the amt I
received from insurance companies was always close to 10 times
the amount I initially asked for in order to fix my bike. strange.
it is almost like the insurance companies are working harder to
pay out MORE money.

Now when ever I change anything on my bike I take pictures
& keep every receipt. When did being a biker turn into a job?

jeff