Ok.. I ran up the bum of a 54,000 dollar new Alfa Romeo on a friends bike. I admit fault, I should've slowed down over the hill. Anyway, I hit it at about 20-30k's, and the only damage I could see what a hole in the rear bumper the size of a 20c piece, the 100kg bike bounced straight off the car. NO insurance on the bike, but she's insured on the car. A couple of weeks later, I rang her up to ask the make and model of the car to find out what it might cost me, though I've forgotten what car it was, while i was on the phone to her she told me i'm looking at around 10,000 dollars. Fast forward a couple of months of nothing happening. her insurance company rang me this morning. They told me it'll cost 16,000 worth of repairs, so I asked "where is the car so i can get it independently assessed" they replied "the repairs have already started and we aren't stopping them, the quotes will come in the mail" or words to that effect. Aren't I entitled to my own independent assessment? Don't I have to see the quotes before they start repairs? 16,000 dollars?! the driver, before insurance called me and what not was telling me the under carriage was apparently all pushed up, the boot wasn't closing properly, the spare tyre didn't fit in place, etc etc etc. Which didn't really fit in with the speed and force of which I hit her.. I was on the bike when it hit, and I walked away with a tiny scratch on my knee. yet the same force that stopped me, almost wrote off her car? Someone Help!