When my bike was totalled after being hit by an SUV (with me on it unfortunatly) all I had to do was bring it to my LBS, and they wrote me up a damage estimate for the full replacement cost of a comparable bike,staing that frame was damaged beyond repair. Most bike shops will work with you on this, especially since they know you are in the market for a new bike. The insurance company very quickly wrote me a check for exactly what the bike shop quoted. I also submitted pictures of the damaged bike (close ups of bent part of frame, etc.). It took longer to settle on the medical stuff, but the bike part was easy.