Dans le message de
news:
[email protected],
Ozark Bicycle <
[email protected]> a réfléchi, et puis a
déclaré :
> On Jun 26, 10:10 am, "Sandy" <[email protected]> wrote:
>> Dans le message
>> denews:[email protected], Ozark
>> Bicycle <[email protected]> a réfléchi, et puis
>> a déclaré :
>>
>>> On Jun 26, 9:33 am, bicycle6228 <[email protected]> wrote:
>>>> In order to replace my 1996 Cannondale R600 bicycle that was
>>>> damaged in a collision, the motorist's insurance company requires
>>>> that I state
>>>> the cost of the bicycle. It was equipped by Cannondale with the
>>>> Shimano RX100 STI group, but at some point had all components
>>>> changed to Shimano Dura-Ace. Looking for any comparisons / remarks
>>>> anyone can offer,
>>>> especially pertaining to retail prices, regarding these component
>>>> groups. Thanks.
>>
>>> IME, you should demand replacement cost in today's market. I suggest
>>> you go to a C'dale dealer, and get a written estimate of the cost of
>>> the 2007 equivalent C'dale model upgraded with D-A components.
>>> Getting more than one written estimate will make your case stronger.
>>
>> Whether it will be current cost, or depreciated value, depends on the
>> language of the policy. Depreciation cost, if that is the
>> condition, will be taken from pricing at the time of original
>> purchase.
>
> It is not the OP's insurance company which the claim is being made
> against. I believe the compensation is governed in such a case by
> state law, not by the "language of [someone else's] policy". Of
> course, we do not know which state the OP resides in.
As to insurance, the limit is the liability of the person at fault and his
own insurer. So, that's where the condition arises. As to total liability,
typically, state law requires putting the person in the position prior to
damages, which is clearly a depreciated bike. How much is a different
subject. Nonetheless, rules is rules.
On the other hand, unless the bike was smashed while it was parked, there
may be some leverage to be had in giving up the right to sue for personal
injuries, in exchange for generosity on the part of the party at fault.
Nothing was said about that, but it is a real consideration in coming to a
final agreement.
