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Old 11-15-21, 01:59 PM
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Originally Posted by blacknbluebikes View Post
Not worth filing a claim, IMHO. First, even a top quality system would not (or just barely) exceed deductible. Second, you will likely just pay it back in future premium increases.
Not for the rack alone. But what about a collision that has vehicle damage already? The deductible would have already been satisfied on the car repair itself. So it's more a question of whether damage to the rack will be covered or not.

Moreover, the damage to the bike would be covered by the home owner policy.

Just a question of which policy the rack is covered under.
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