Originally Posted by
gpburdell
How often does that tend to happen to you?
I'd be much more likely to impact a low overhead...
Yes, that can happen, but in such a situation, it would be due to one's own forgetfulness. I have a small tag that I clip to my visor that says simply, "Bikes on Roof". If you're stopped at a light, and someone not paying attention rear ends you and crushes your bike, I for one would be more upset.
A friend of mine had his bikes destroyed while on a rear rack, and his car was rear ended. The offending driver told his insurance company that the bikes blocked his view of the brake lights, and therefore he wasn't 100% at fault. .