Originally Posted by Mace450 .
Thanks, that's good info to know. My components are surprisingly in working order. The only thing as far as i could see is the right brifter and hood was ground down a bit but seems to be only cosmetic. I've got my eye on a used supersix hi mod that someone is selling. So that was one idea, to swap my ultegras onto that, then all i need is a front wheel and some bars. I'll see what insurance says though.
I'd suggest going to your LBS and having them write an estimate for the replacement of your bike. I've found that LBS can be quite generous in that estimate. Remember you don't have to continue to use something that's even scuffed, so given that a lot of components can't be rebuilt, scuffed stuff can easily be written off as needing to be completely replaced. Also consider that anything CF might be compromised. The values given should be replacement values, not depreciated values. I think it's the rare case when an insurance company will want to do their own estimate.
Also, I'd suggest not being in a hurry to get everything wrapped up. First, give yourself some time to be sure that you are indeed okay physically. I'm not suggesting that you overplay any injury or fake anything, but I am saying that you want to be sure you are okay. Once the settlement is done, there's no going back and saying, "Wait. I hurt here, and it needs fixed." The last time I was hit by a car driver, I thought I was okay. The pain I did have was neck pain, and that was cleared by an ER doc. Later however, I started having issues with the shoulder that was the point of impact/dragging on the ground. That shoulder 6 months later had to be surgically repaired, preceded and followed by many months of physical therapy. The driver's insurance company may want to do a complete settlement, i.e. a quickee for your bike, pain, and suffering. That's to their advantage, not yours. Specifically, their adjuster's job is to finish everything at the lowest cost possible to the insurance company. Fairness to you is not their concern.
I know it sucks to be without a bike, but taking time to be sure that you're okay and that you actually get fair compensation for your bike kit (frame, components, clothes, helmet, and etc) can be well worth the wait.