Originally Posted by
agenkin
Spoke with a lawyer today. Sounds like small claims court is what I should do. I have to sue the driver, not the insurance company.
I will give one more try to speak with the supervisor of the adjuster, and then file a claim.
Thanks for all the input, everyone.
Get estimates of the bike's value from a couple of shops, file for the maximum allowed, add in anything you can think of...damage to clothes, missed work...google tort damages for some ideas. You won't get it, but it doesn't hurt as a starting place. Research regulations regarding insurance damage settlements...assuming they have obligation xxx, file a complaint.
At the point that they have to bring in an attorney to defend their client, the cost to them is probably not worth the aggravation over what is not significant damages. I'm honestly surprised they'd be nickel and diming when they should be happy there's no medical stuff. Like someone said earlier - a lot of the time they'll go at, or near, replacement value just to settle it quickly/cheaply.