Could It Be Repaired?

no this wouldn't be an insurance job, i'd still be getting my other bike fixed/repaired (i'd miss it too much), this would be my second bike, i was going to get it anyway, but wasn't 100% sure and this has been the turning point.

It's hardly ripping off an insurance company if the frame should be replaced and the wheel is damaged.
You'd have to factor in the cost of moving all the components across, facing headtube and bottom bracket and replacing the headset as well.

An insurance company would normally write the old frame and wheel off and you should get the option to buy back the parts at an agreed portion of the value. Usually calculated as the cost new less a deduction for fair wear and tear (usually 10% per annum) less the cost of the repair.
i.e. £500 frame, 2 years old, £350 for the repair.
Deduct £100 for wear and tear, deduct £350 for the repair, remainder to pay £50.

In most cases the shop asks the insurance company what they want done with the frame, the insurance company says either destroy it and send us proof or just (more commonly) "throw it waway".

My mum worked in insurance all her working life and I've done a few years in various bike shops (although the last time was more than 15 years ago!)

Splatbucket apologies for the slight hijack to your thread

So what are peoples thoughts on the dent on the frame. I came back from leaving my bike chained up in central to find a similar sized dent about 5 inches from the seatpost on the top tube. I have been riding it around for about three months and nothing seems to have changed in the ride of the bike nor has the dent got any deeper/larger. I just resigned myself to the fact that my Jackson would eventually turn into my beater as i guess it would be harder to sell w the dent as and when i came to getting a new bike.

Should i seriously be considering getting this repaired or replacing the frame.

if you're worried about dents altering integrity, see Jos's old courier bikes that janky james is using for his bike polo bike. and thats aluminium!!

Yeah less the dents you want to worry about. more the fractures in welding that you can't see. If you run your fingers along the back of the legs of the fork and on the under side of the 'top tube' and 'down tube' near the 'head tube'.... you may feel ripples in the metal from the impact. If you can that's a bad sign. Probably best to get someone with an expert eye to look over it. http://www.perlierides.co.uk/repairs/ come say hello if your nearby. We do bike repairs in Hackney and will be happy to have a precursory look over it to see if it should be taken further or ignored.

a lot of things with dents is where in the bike they are as well as how deep. i would be worried about an thing on either end of the tt thats the size of splat's. When I was at Brew Steve Gibs expaned in a lot of detail how dents kill frames, but basically the area affected by the dent is larger then the dent it self. if the bikes a beater, and the dents are small, and you plan on riding it until it breaks then keep riding it. if some one damages your frame and is willing to pay up, then get it replaced.

good news, phoned up insurance company, turns out driver had told them she was completely at fault, their not looking into it any further, they have agreed to pay the quote to have the frame replaced etc etc, and also compensated me for the bruises/inconvenience on the proviso that I don't go through an injury lawyers 4 U crappy thing.
Agreement is apparently been put in the post for me, so sign that and 'we'll send you a cheque' I hope it all is as smooth as they are making it seem. Thanks for peoples help/advice on here, could have been a lot slower/harder without some of it.

read the agreement before you sign it... make sure you understand every word of it.

... and also make sure that you actually are physically okay. if you're signing that agreement, it means that you cannot claim for injuries that come up afterwards.

when i last got knocked off my bike (i got doored by a cabbie), i rode away from the accident. it took a few days for me to figure out that my knee was screwed up, and then about a year for it to feel normal again.

the agreement was shockingly simple, there was only one term/condition, that I accepted the sum as the full and final settlement of the claim. But yer its been over a week now and the bruising has all most all gone, everything is in working order and nothings been 'niggling' so it seems like in this case I was very lucky.

good to hear your ok, and that every thing is taken care of fast.