Originally Posted by
blacknbluebikes
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.