In this instance, I'm unsure what it is. I'm still waiting for my insurance company to advise that they are settling my claim for my bike. "Yes", they said, "we have received your quote. We will obtain a quote from another dealer as well before we settle your claim. You should hear back from someone within 10 business days."
I understand how this works and all, but I really hope it doesn't drag on and on- and that I can get my replacement bike from my local dealer. I submitted a letter with my claim detailing the reasons why it would be better to deal with my LBS instead of a dealer in Brisbane, Sydney or Melbourne.
Yes, one of the Specialized dealers in the major cities can probably come in with a quote of a lesser dollar value. But I think there's a lot more value in what I have lost than just a straight replacement bike in a box.
I don't want my bike to arrive at my front door in a box. It wasn't in a box when I was hit by the car. It was fully assembled and fitted to my physique (after several sessions). I don't have all of the necessary tools and torque wrenches and specs to assemble the bike and I certainly don't want to void the manufacturer's warranty.
Assembly, fitting and service will come at a price for a bike purchased somewhere else. Those are the sort things that, I hope, the insurance mob will take into consideration.
I just want to get back on my bike.................stay tuned.
Cheers- ride safe