Last night, on my way home from a ride, I was rear ended. I stopped at a red light and the guy behind me didn't. The good news is that no one was hurt. The bad news is that I have a hitch mounted rack, which is now completely destroyed. My bike suffered quite a bit as well. The rear tire is totally wacked and the chain stay is severely bent. It's dual squishy, so I can't help but think that there is other damage also, like to linkages, shock mounts, etc... My question is what can I expect from the insurance company (his, Progressive) Replacement value of the whole bike is quite high. So, anyone dealt with this? What happened? Time frame? Thanks!