Roof-top bike rack crash Over the week-end my bike suffered a bike crash while on a roof-top rack. On a whim, the driver decided to go through an underground parking lot, everything happened so fast, I did not have time to stop him. Anyway, what happened happened. Two cervélo R3 got caught in a chain, and both bike fell off the rack, breaking the rack and some bike components, e.g. shifters, wheels and forks. 

Here are some pictures of the damage on the bikes: images

We brought the bikes at our local bike shop, also a cervélo dealer. Their verdict was that my bike only needed minor repairs such as changing one shifter whereas the other bike has a cracked frame and would need a new frame. 

Here is where I would like you opinion, since both bikes where involved in similar tensions and impacts, I do not feel comfortable keeping the frame. The specialist at the bike shop assured me it was "ok", although I am not sure he would go downhill at 80 km/h on it. Since my personal insurance is covering the cost, can I suggest that the frame be changed?
The problem here is that with a carbon or aluminum frame it will be hard to assess the damage accurately (at least with the tools that we or a LBS is likely to have). The best tool that you've got is evidence of stress on the frame – like the cracked paint in the photos of bike 1.

Add to this the likelihood that aluminum or carbon will fail dramatically and suddenly if they are damaged and it just seems prudent to replace the frame.