The driver is paying for a new frame ~$350 plus labor to rebuild the bike.
The camera has been a worthwhile addition to my bike equipment. Mostly have captured rides, but it has come in handy on a a couple of close calls and now with this crash. Highly recommend a video camera for all.It's great that you have the video. Insurance company shouldn't balk when you tell them that.
I should have done that, but in the moments after the crash was not thinking. I think I will print a card with the advice and carry it with me.Bruce Deming, the bike lawyer, told us at a crash seminar to never, ever say you are okay because you are not qualified to say yes or no immediately after an accident. Also, call the cops. Insurance companies can refuse to settle without a police report. Hopefully the insurance company will be fair to you and raise the driver's premiums.
The wheel was obvious, but not the frame. Even at the shop I didn't suspect a problem with the frame until they deployed the frame tool. The frame was out of alignment by a 1/4", which is enough to make it difficult to get the wheel into the drops. Glad he hit my wheel instead of my ankle.I find it alarming so much damage can occur at such a low speed impact. Yikes!
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