Hey all, just a quick question on the extent of insurance coverage. My mate recently broke his foot helping out at his girlfriends place and I, being the fantastic person I am, offered to ride his bike home (and around) for him. Now as I was getting near home a car pulled out of a side street blocking the road. Naturally I jammed on the brakes and did my best to miss it. I had right of way and still can't believe she didn't see me but in either case I had no chance of stopping at that distance and the bike went down through a combination of the heavy braking and instinct making me attempt to steer away from the car (the heavy braking making a mess of this). She (the driver) has accepted full responsibility and everything seems to be fine insurance wise, only the right hand side fairing was damaged and it should be fixed soon enough, but can my helmet be replaced? Having never had any dealings with insurance claims I have no idea what the situation is; the helmet cetainly isn't visibly cracked, only a few scratches, but from manufacturers warnings etc replacing it would seem wise. Do I have to cover the cost of this or will her company car insurance policy (no idea of the specifics, insured with GIO) cover this associated cost of the stack? Cheers.