wettunwindee When something similar-ish happened to me, I even got reimbursed for the cost of transport to work for the time I was unable to cycle. That was on top of helmet, jacket, gloves, shorts, bike and 3 days off work. About £6k
If it (I hope never) happens to me, my costs will be about £900 for the bike: plus (say) £300 to replace clothing + helmet + gloves etc; if I land on my iPhone which is kept in my rear pocket, that's ~£600 if broken. My Garmin was £300+. If I was unable to drive I'd need £120 worth of taxis a day until I could... And I am pretty low-end spec.
If it was my OH, bike is £6000 for the frame alone, plus best part of £1000 for the wheels; plus all the other bits I mentioned for me (kit, phone, garmin etc). Plus the potential cost of alternative commuting method (a season ticket to where he works is about £4500/yr, as a guide).
The fact the cyclist could have swerved & didn't
yeah, I bet that bastard DELIBERATELY rode straight into the car door! Yeah that sounds totally likely. 