Well you take a bike out of the shop, have accident . Decide not
to have it , repair it and dump it back to shop !!!
Frankly you take the bike and have accident with it- regardless
of type of damage even if you repair it - it is not new -
the shop have all the rights to demand you pay for it. It is
unfair the take a used bike and give it to another customer - when
it is your fault.
Be an asshole , in the law - it is clearly your fault ,
try to be clever - and let the interest roll , but then the amount
roll till - the cost of your car !!!