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All the information presented so far is spot on; there's nothing I can add, and I've been hit and dealt with insurance companies 3 times!
I'm baffled how the headset came loose. Both cups are under compression from either the locknut (threaded) or the compression plug (Aheadset). Despite the frontal impact I wouldn't expect the headset to loosen. That suspicion would lead me to inspect the frame including the headtube, fork, and headset more closely.
Report back the the outcome of your claim.
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