Originally Posted by
atnyc
It's a simple question. Does or does not auto insurance cover racks?
Seems people are more interested in prying into the detail of an accident. Perhaps for entertainment value?
If it were my accident, I would NEVER post any detail on a public forum. It can come back to haunt you!
You can't actually answer the question without some detail.
Problem with your question is you need to know whether you're asking if the other driver's insurance would cover it (liability, and probably yes), or yours and that's a trickier question. I think the answer is probably not unless you have some sort of contents rider on your policy.
Likely, it's going to be the same answer for the rack as the bike--it's probably your homeowner's policy if anything.
And BTW, just say "hypothetically" and give both options (hypothetically if it's my fault or if it's another insured driver's fault). There's nothing useable if someone were to discover it.