Claiming on a motorist's insurance after accident

had an accident in april which wasnt my fault, driving involved admitted fault. problem is the insurance company isnt paying for all my stuff. ive totalled up my goods to replace them all like for like at about 2700. theyve offered 1200. and dont seem to be willing to offer any more.

How can they expect me to get all the stuff that was ruined with such a small amount?

Go to a proper bike shop and get a full quote for everything that needs repair / replacement.

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