Quote Originally Posted by kermit View Post
Sorry to be a pest, but I got to thinking, did you call your auto insurance co.? I'm in Florida and here I believe that anything attached to the vehicle in transit should have some coverage. Just a thought. Fault doesn't matter you just have to eat your deductible. Try talking to an independent claims adjuster.
Yeah I did. My teammate's bike was also on the car. Luckily, my bike cushioned hers and she only had some mild cosmetic damage, but while she was waiting for her shop to do the inspection, I had to talk to my company about everything. They said that her bike would be covered b/c of my liability coverage, but that my own property attached to the car was not at all. The hitch rack, if it had been damaged itself, would be covered, because I think it's a "permanent fixture" on the car. The bike on the rack was not. There was a lot of nitpicking language, and I tried to work around it, but no dice. Sporting equipment in my vehicle is now protected from theft or damage under my renter's policy through the same company.