One of my cycling friends has the Trek Madone and she really likes it. She's a good rider- training for the "Death Ride" in July and has liked the way the bike handles as well as the gearing.

I have a Scott CR10- but might be more expensive than the Trek esp if the LBS is willing to give you a deal.

Sorry to hear about the accident. A guy rear ended me last year, but just whacked the front wheel. Fortunately the frame wasn't compromised. I had finished the SF/LA AIDS ride the day before and was bringing my bike home. I felt like I had lost my best friend!! His insurance company paid for a set of new wheels as I said that they had to match. I got a good price on them from Performance Bikes so I am glad I did it. And, I got an upgrade on my wheels!

It took about a month to get the check from the company. They had an adjuster come out and photograph the damaged wheel. I'm sure that will be part of the procedure for you all as well. They have to photograph all of the damage. I hope someone took pics at the scene as you can use that for evidence as well.

I'd say you should be able to get a good quote for replacing your bikes especially since the frames have been hurt. Frames don't go to the "body shop" to get fixed. They get tossed (and hopefully recycled. The insurance company has to understand that point. Also, I would be surprised if they quoted you a settlement price for a used bike. Used bikes aren't like used cars! I ended up dealing with the other guy's insurance company directly which worked well for me.

Let us know the outcome.