ChrisF wrote: ↑23 Nov 2023, 9:38pm
The frame is about 10 years old. Should I claim for a new one on the driver's insurance? Problem is that all new frames seem to be set up for discs now, so I'd need a whole new bike.....
Unless it is very obviously only one broken part, most insurers simply deal with the most pain-free process which is to sort you out a whole new bike. The whole bike has been involved in a collision therefore the whole bike is potentially damaged / bent / broken and it's easier and cheaper to provide you with a new bike (or a payout for one) rather than start quibbling individual costs and "oh well X is fine, we'll just give you Y".
Most bike shops should just write the bike off as beyond economic repair / cannot be guaranteed structurally sound. It *shouldn't* require a full ultrasound although if the insurers want that then they should pay for it, it's not your responsibility to provide it.
And as you've noted, if you get a new frame, you'll then need a host of new parts anyway so immediately the cost and convenience is tipping towards "new bike".
If you're with British Cycling or Cycling UK, their lawyers know this kind of stuff very well. Most of the no-win, no-fee accident solicitors should also be aware of it, especially if they deal with cycle incidents routinely.
Best of luck and I hope your recovery progresses well too.
Keep notes on that - times you've had to get public transport / taxi instead of riding, time off work due to pain etc because it will all form part of your case. I'm not for a second suggesting lying or profiteering from it but it is a consequence of the driver's actions.