09-10-2014, 03:59 AM
When I was in the industry as a Service Manager, and doing wreck estimates, if a frame had a dent,even a small one, or visible rash, it went on the estimate, and if the customer insisted on replacement, yes sometimes that totaled the bike. Quite often an allowance from the customers deductible was used to cover such things if they did not affect the bike structurally. If a customer insists he had a perfect bike before an accident you are obligated as an estimate writer to include everything that showed any damage, no matter how slight and let the customer and insurance company work it out.
I'm pretty sure in an insurers eye, the damage on the frame in question, would just need to be sanded in that area and repainted, although depending on how thorough the shop doing the work, that could easily amount to several hundred dollars if they had to strip parts and reinstall parts to repaint.
I'm pretty sure in an insurers eye, the damage on the frame in question, would just need to be sanded in that area and repainted, although depending on how thorough the shop doing the work, that could easily amount to several hundred dollars if they had to strip parts and reinstall parts to repaint.