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Singlespeed & Fixed Gear "I still feel that variable gears are only for people over forty-five. Isn't it better to triumph by the strength of your muscles than by the artifice of a derailer? We are getting soft...As for me, give me a fixed gear!"-- Henri Desgrange (31 January 1865 - 16 August 1940)

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Old 01-20-10, 01:19 PM   #1
skidave32289
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insurance claims - anyone been there?

Got hit by a car a bit over a month ago. I've been dealing with the insurance company of the guy who hit me and they wanted an official insurance report for damage done to my bike, so I took it to my LBS. I know that all I need is a new headset, but the shop wrote me down for a new frameset, rear wheel, and seat ($925 for parts + labor). The frame is twisted a bit but definitely still rideable. I'm just wondering if anyone has had to deal with an insurance claim for their bike before, and what to expect - if the insurance company will just write me a check and let me do the repairs on my bike, or if they're going to call the bike "totaled" and give the money but claim the bike. If they're going to take the bike, I'd almost rather not make the claim and do the repairs myself. I only spent ~350 on the parts for build but put a lot of time and love into it and I would hate to see the insurance company scrap my baby!
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Old 01-20-10, 01:56 PM   #2
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I was hit by a car about 3 months ago. After accepting full responsibility for the accident, the insurance adjuster wanted to see my bike in person. There wasn't alot of damage so I was under the impression that they would just replace the damaged parts, however, they paid me out in full for the price of the entire bike. In addition, they paid me for the upgrades that were on the bike. Since the bike was two years old, they knocked off 5% depreciation (about $100). In return, they took my bike. Same goes for my helmet.

Never once did repair come into the conversation. They also didn't require me to get an opinion from a bike shop. I simply printed out information on a comparable replacement bike from the manufacture's website and provided them with my original sales receipt. I didn't have my sales receipt for my helmet so they simply based the replacement cost on the information for the comparable model.
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Old 01-20-10, 02:08 PM   #3
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Consider yourself lucky. I got hit by a car about a year ago. Damage to bike was minor, but I was helicoptered unconscious to a trauma center with a broken arm, cut up and permanently scarred face, and a list of other injuries. Police report clearly faulted the driver for the incident. I didn't even bother with insurance companies..I went straight to a lawyer.
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Old 01-20-10, 07:19 PM   #4
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When I had mine they wrote me a check for the cost of the bike plus helmet and whatever clothes I was wearing that the EMTs cut off. Plus a grand for pain and suffering. Its not like they take your old bike away or anything, they just pay you what it would cost to replace it.
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Old 01-20-10, 08:56 PM   #5
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Originally Posted by mihlbach View Post
Consider yourself lucky. I got hit by a car about a year ago. Damage to bike was minor, but I was helicoptered unconscious to a trauma center with a broken arm, cut up and permanently scarred face, and a list of other injuries. Police report clearly faulted the driver for the incident. I didn't even bother with insurance companies..I went straight to a lawyer.
What's the rest of this story? Did you win a big settlement? Are you sipping mai tai's on the beach with skimpy bikini babes?
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Old 01-21-10, 05:31 AM   #6
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What's the rest of this story? Did you win a big settlement? Are you sipping mai tai's on the beach with skimpy bikini babes?
These things take time.
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Old 01-21-10, 07:39 AM   #7
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It's a liability for them to pay to have your bike repaired, or even let you keep it after the claim is settled.
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