Think yourself lucky young lad at graft on his knackered ped got over taken by a well kitted up man on a racer peddle bike!!
Honesty I was laughing in his face so hard he had to go wash my spit off his face lol
Now we are back on it...............
I rerouted my SV exhaust back into the airbox to make it supercharged and emission free. I failed to take into account the build up of exhaust fumes so it exploded..............I am now off to look for my left testicle.
Chose the wrong insurers then, or violated the terms.
If you accept their first offer then yes, you will be screwed. If you read your paperwork, follow the T&Cs, know your stuff and argue it with them, you should get a fair settlement.