Bike update

Well, unfortunately, I have no idea what insurance is for. You pay your rate so that if something were to happen you would be covered and able to replace what you had. Well in my case that isn't the way it's going. I am not able to find anything that even compares to my old bike for the amount of money my insurance company is willing to pay me. So as of right now, I am going to be bikeless until I can find something I like for a reasonable price.