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It finally happened.
(lemmy.ca)
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Sorry to hear :( Feels like we're all one momentary lapse of concentration (usually someone else's) away from a life-changing coming-together. I've lost track of the situation with the shifting sands of ICBC and what they will/won't do these days, but can you claim against them for a) any out-of-pocket medical expenses (eg physio) and b) damage to bike/helmet?
Ahhh right, sorry - must read more carefully - I see you've already said ICBC will cover the helmet. If you get the bike in for a mechanic to look over & give you an estimate then presumably they'll cover that as well?
AFAIK yes, everything is covered. I still have to talk to the adjusters to confirm though. Seems they wanted pictures, but I don't see how that could help anyone in this case since the damage was only detectable through use.
Photo of an estimate from a local mechanic? And same with you - take all the physio you need and bill the hell out of them. Hope the knee's settled down now but an expert opinion might spot something long-term that can be corrected now.