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  • I’d just go for new everything. It wasn’t your fault and it was unavoidable*. You should get your bike back to the condition it was before it got love-tackled.

    (As in, you couldn’t have predicted and avoided it. Certainly they could have avoided it by moving more safely.)

  • You should get your bike back to the condition it was before it got love-tackled.

    This. Insurance and liability is there to return you to the same place as you were before anything happened, not just make right the damage.

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