Originally Posted by
atnyc
Hitch/roof racks in particular, as these are rather costly.I know auto insurance does NOT cover the BIKES on the rack. That's for home owner insurance to cover.But if there's damage to the rack itself, does that fall on auto insurance? Or home owner insurance?
why do you ask? what happened?
I got rear ended Fall of 2019 & the car behind me struck the hitch rack which slammed into my rear hatch. no bike & it was an inexpensive hitch rack. upright hanging style. I took it off the car when it was appraised & it was not included in the appraisal. I bought it 2nd hand & replaced it w/ another second hand
