Let's assume the accident in which a very expensive bike is rendered worthless is deemed not worthy of a police response. Let's say the aggressor ( driver ) denies everything and you are on the hook for a new bike. What options are there? Police don't like to assess blame, shielding the guilty from liability. I'm often stunned how brazenly people will lie. After all of these bad scenarios present themselves what are the options? SOL because some idiot on a cell phone was, in all probability, breaking the law and driving while distracted? One possible answer is to play up the personal injury angle, thereby obligating a police response and report. Kind of like the over the top response to cheap shots in sports, of dramatically exaggerating in order to draw a penalty. One never has the presence of mind after being hit, unfortunately.