Bike crash insurance questions

The Real Bev said...

I didn't get that when I sued in small claims court, but it's probably
up to the judge. BTW, if you have to go to court ask for a REAL judge,
not whatever your state calls the judge-substitute who is probably just
another lawyer with time on his hands. "Magistrates" here don't want to
think and will hang a decision on whatever somebody in authority has
already decided.

I believe loss of use and time spent may be part of a general damages
settlement, but I'm not a lawyer. Judges make their decisions based on
past judgements. It is called common law. It is much safer legally than
breaking with precedent.

The concept of "making whole" is honored only in the breach :-( When
somebody smashes up your car, the very least the insurance company
should do is shop for an exact replacement (including color and
accessories and mileage and condition and...) and deliver it to your
home.

Yeah, like that will happen!

That is all very true. But I was happy with money. That way I can choose
my own replacement. I started out with a $750 budget for a road bike.
Now I have a $3000 one.

The Real Bev said...

NONONONONONONO! You owe them nothing! Would you buy the bike in its
present condition for $200? Of course not! You might give $20 just in
case SOME part of it might be reusable (maybe one of the cables?), but
even that's a stretch.

Sure, I'd buy it for $200. I already know somebody who wants to buy it
from me for twice what I paid for salvage.

SuperSlinky wrote:

The Real Bev said...

NONONONONONONO! You owe them nothing! Would you buy the bike in its
present condition for $200? Of course not! You might give $20 just in
case SOME part of it might be reusable (maybe one of the cables?), but
even that's a stretch.

Sure, I'd buy it for $200. I already know somebody who wants to buy it
from me for twice what I paid for salvage.

sigh Have you ever thought of getting a T-shirt with a big red
"VICTIM" and a bullseye on the back?

Maybe I'm being too harsh, but the idea of spending $200 on a parts bike
just seems WRONG. Comes from doing all my bike shopping at yard sales,
I guess. We turned down a near-virgin Schwinn Paramount with its 197x
sales slip for $250...

--
Cheers, Bev
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"I love to go down to the schoolyard and watch all the
little children jump up and down and run around yelling and
screaming...They don't know I'm only using blanks." --Emo