No, we did stop and get the insurance info. We knew the rack had pushed up against the hitch and done some damage not immediately visible. The situation is resolved; we found a similiar Saris rack. The car will go to the body shop, they can replace the hitch and fix the few scratches on my car and my husband will install the rack. The girl who hit me is an under 21 driver, so she is toast.
My bike is very light, I could put it up on the roof, but I just didn't want to deal with the step ladder. Plus, once in awhile I put my mtb on there. Most of the time I am driving to a ride, i am with my husband and he has an SUV that fits both bikes in the back and a wonderful Saris flat bed rack that even extends for 4 bikes. But, usually I ride right out of my door.
I guess I became leery of roof racks when about 6 years ago the father of one of my son's racing team mates drove into the garage with the kid's new carbon bike on the roof. I guess there is no accounting for common sense, since this guy is the editor of the New England Journal of Medicine. I decided then it would be too easy to forget about the bike up there!