Go Back  Bike Forums > Bike Forums > General Cycling Discussion
Reload this Page >

Car got rear-ended & broke my bike rack, Whaaaa

Notices
General Cycling Discussion Have a cycling related question or comment that doesn't fit in one of the other specialty forums? Drop on in and post in here! When possible, please select the forum above that most fits your post!

Car got rear-ended & broke my bike rack, Whaaaa

Old 11-04-19, 12:49 PM
  #1  
rumrunn6
Senior Member
Thread Starter
 
rumrunn6's Avatar
 
Join Date: Jul 2008
Location: 25 miles northwest of Boston
Posts: 27,320

Bikes: Bottecchia Sprint, GT Timberline 29r, Trek FX Alpha 7.0

Mentioned: 107 Post(s)
Tagged: 0 Thread(s)
Quoted: 4536 Post(s)
Liked 2,169 Times in 1,481 Posts
Car got rear-ended & broke my bike rack, Whaaaa

on my way to work this morning, while stopped in traffic, a small school van rear-ended me. it felt hard but I guess she was only going slowly. she said: "you know, my foot slipped off the brake". um, no

the bike was at home, so her vehicle pushed the rack into my hatchback & broke the rack in variously places. I liked this rack cuz it was tiny & light & I hunted for something like it for over a year. it cost me less than $100 on CL. I filed a claim w/ my insurance for the hatchback cuz that's the expensive thing. I can try to get compensation for the rack by going after the other driver's insurance company, but I won't bother

if the rack wasn't there, her bumper would have hit mine, at the licensee plate & instead of fixing the hatch door I'd be fixing the bumper (I think)



I think the hitch is OK, I think the rack got bent up, so it's not vertical anymore





looks like she came at me at an angle. wonder if she dropped her coffee or something


Last edited by rumrunn6; 11-04-19 at 12:57 PM.
rumrunn6 is offline  
Old 11-04-19, 01:08 PM
  #2  
Jon T
Senior Member
 
Join Date: Jun 2017
Location: West Orange County, CA
Posts: 1,112

Bikes: '84 Peugeot PH10LE

Mentioned: 16 Post(s)
Tagged: 0 Thread(s)
Quoted: 396 Post(s)
Likes: 0
Liked 54 Times in 38 Posts
Better check the receiver welds to make sure they're not cracked.
Jon
Jon T is offline  
Old 11-04-19, 01:40 PM
  #3  
Rides4Beer
Senior Member
 
Join Date: Oct 2018
Location: VA
Posts: 1,429

Bikes: SuperSix Evo | Revolt

Mentioned: 12 Post(s)
Tagged: 0 Thread(s)
Quoted: 726 Post(s)
Liked 800 Times in 408 Posts
You were rear ended, make her insurance pay for everything, new hatch and a new rack. Why wouldn't you "bother"? She is at fault, I wouldn't pay for a thing.
Rides4Beer is offline  
Old 11-04-19, 01:43 PM
  #4  
FiftySix
I'm the anecdote.
 
Join Date: Apr 2019
Location: S.E. Texas
Posts: 1,824

Bikes: '12 Schwinn, '13 Norco

Mentioned: 9 Post(s)
Tagged: 0 Thread(s)
Quoted: 1109 Post(s)
Liked 1,175 Times in 794 Posts
Originally Posted by Rides4Beer View Post
You were rear ended, make her insurance pay for everything, new hatch and a new rack. Why wouldn't you "bother"? She is at fault, I wouldn't pay for a thing.
Indeed.
FiftySix is offline  
Likes For FiftySix:
Old 11-04-19, 01:59 PM
  #5  
mr_bill
Senior Member
 
Join Date: Sep 2013
Location: Massachusetts
Posts: 4,470
Mentioned: 33 Post(s)
Tagged: 0 Thread(s)
Quoted: 2068 Post(s)
Liked 614 Times in 413 Posts
Just a reminder - ****If You've Been Hit By A Motor Vehicle: ALL MEMBERS READ**** .

(Even though the driver didn't hit you while you were on your bike, all of the good advice still applies.)

-mr. bill
mr_bill is offline  
Likes For mr_bill:
Old 11-04-19, 02:11 PM
  #6  
TiHabanero
Senior Member
 
Join Date: Nov 2012
Posts: 3,805
Mentioned: 14 Post(s)
Tagged: 0 Thread(s)
Quoted: 1423 Post(s)
Liked 848 Times in 451 Posts
Why in the world not claim the rack? Regardless of the dollar volume of the claim, your premium will go up. Insurance companies never lose, they just increase your premium. I know, as I work for an insurance co. How many thousands of dollars have you shelled out over the years? Claim the rack. Rates are going up no matter what.
TiHabanero is offline  
Likes For TiHabanero:
Old 11-04-19, 02:19 PM
  #7  
GlennR
On Your Left
 
GlennR's Avatar
 
Join Date: Nov 2011
Location: Long Island, New York, USA
Posts: 8,364

Bikes: Trek Emonda SLR, Sram eTap, Zipp 303

Mentioned: 34 Post(s)
Tagged: 0 Thread(s)
Quoted: 3000 Post(s)
Liked 2,421 Times in 1,183 Posts
Take is as a sign that you should transport your bike IN the vehicle.



GlennR is offline  
Likes For GlennR:
Old 11-04-19, 02:30 PM
  #8  
indyfabz
Senior Member
 
indyfabz's Avatar
 
Join Date: Jan 2010
Posts: 34,130
Mentioned: 202 Post(s)
Tagged: 1 Thread(s)
Quoted: 15505 Post(s)
Liked 9,488 Times in 4,651 Posts
Originally Posted by TiHabanero View Post
Why in the world not claim the rack? Regardless of the dollar volume of the claim, your premium will go up. Insurance companies never lose, they just increase your premium. I know, as I work for an insurance co. How many thousands of dollars have you shelled out over the years? Claim the rack. Rates are going up no matter what.
Why would his rate go up? Sounds like she was totally at fault. He was stopped in traffic and she hit him from behind. I got rear ended while stuck on an off ramp. My rate stayed the same.
indyfabz is offline  
Old 11-04-19, 02:33 PM
  #9  
rumrunn6
Senior Member
Thread Starter
 
rumrunn6's Avatar
 
Join Date: Jul 2008
Location: 25 miles northwest of Boston
Posts: 27,320

Bikes: Bottecchia Sprint, GT Timberline 29r, Trek FX Alpha 7.0

Mentioned: 107 Post(s)
Tagged: 0 Thread(s)
Quoted: 4536 Post(s)
Liked 2,169 Times in 1,481 Posts
Originally Posted by TiHabanero View Post
Why in the world not claim the rack?
my agent says she'll get back to me after filing the claim. initially she said for the rack, I'd have to file a claim myself with the other company. I bought it used for less than $100 from a guy in a parking lot, no receipt, etc. she said that my insurance wouldn't cover the rack
rumrunn6 is offline  
Old 11-04-19, 02:34 PM
  #10  
rumrunn6
Senior Member
Thread Starter
 
rumrunn6's Avatar
 
Join Date: Jul 2008
Location: 25 miles northwest of Boston
Posts: 27,320

Bikes: Bottecchia Sprint, GT Timberline 29r, Trek FX Alpha 7.0

Mentioned: 107 Post(s)
Tagged: 0 Thread(s)
Quoted: 4536 Post(s)
Liked 2,169 Times in 1,481 Posts
Originally Posted by mr_bill View Post
Just a reminder - ****If You've Been Hit By A Motor Vehicle: ALL MEMBERS READ**** .(Even though the driver didn't hit you while you were on your bike, all of the good advice still applies.)-mr. bill
thanks Bill, was thinking the same thing, but I think I'm OK, but I'll stay mindful

Last edited by rumrunn6; 11-04-19 at 02:39 PM.
rumrunn6 is offline  
Old 11-04-19, 02:36 PM
  #11  
rumrunn6
Senior Member
Thread Starter
 
rumrunn6's Avatar
 
Join Date: Jul 2008
Location: 25 miles northwest of Boston
Posts: 27,320

Bikes: Bottecchia Sprint, GT Timberline 29r, Trek FX Alpha 7.0

Mentioned: 107 Post(s)
Tagged: 0 Thread(s)
Quoted: 4536 Post(s)
Liked 2,169 Times in 1,481 Posts
Originally Posted by Jon T View Post
Better check the receiver welds to make sure they're not cracked.
Jon
it's a U-Haul bolt-on, but I'll invesigate further at home. gonna also put another rack on & check the angle to see if there's damage to the hitch. the way my agent talks sounds like if there is, the add-on hitch is not covered ... fwiw the threaded pin came out easy peasy, when I removed the rack. I'm thinking the cheap rack shaft was flexible enough to absorb the impact & deflect it up toward the hatch

Last edited by rumrunn6; 11-04-19 at 02:44 PM.
rumrunn6 is offline  
Old 11-04-19, 02:52 PM
  #12  
Miele Man
Senior Member
 
Join Date: Jun 2014
Location: Ontario, Canada
Posts: 4,532

Bikes: iele Latina, Miele Suprema, Miele Uno LS, Miele Miele Beta, MMTB, Bianchi Model Unknown, Fiori Venezia, Fiori Napoli, VeloSport Adamas AX

Mentioned: 16 Post(s)
Tagged: 0 Thread(s)
Quoted: 1267 Post(s)
Liked 854 Times in 592 Posts
Well, I'm glad you are okay and that your bike was at home and not damaged and that any damage to your car was light.

Still, it must irk people to discover that their motor vehicle insurance doesn't cover things like the bike rack. It seems to me that insurance companies are delighted to take your money in premiums paid but are VERY stingy in paying out and then they raise your rates anyway. Over the years the increase in your rates often negates the amount the company paid out.

Good luck.

Cheers
Miele Man is offline  
Old 11-04-19, 05:31 PM
  #13  
Metieval
Senior Member
 
Metieval's Avatar
 
Join Date: Jul 2005
Location: Ohio
Posts: 2,772

Bikes: Road bike, Hybrid, Gravel, Drop bar SS, hard tail MTB

Mentioned: 7 Post(s)
Tagged: 0 Thread(s)
Quoted: 1171 Post(s)
Liked 269 Times in 188 Posts
It shouldn't matter how much you paid for the rack, they need to replace the rack at what ever it cost them to replace it? yes?
Metieval is offline  
Old 11-04-19, 06:03 PM
  #14  
TiHabanero
Senior Member
 
Join Date: Nov 2012
Posts: 3,805
Mentioned: 14 Post(s)
Tagged: 0 Thread(s)
Quoted: 1423 Post(s)
Liked 848 Times in 451 Posts
DOH! I was off, way off. Live in a no fault state and anything claimed raises my premium, even if I am not at fault. It sucks, but this discussion has been had before.
TiHabanero is offline  
Old 11-04-19, 06:15 PM
  #15  
Metieval
Senior Member
 
Metieval's Avatar
 
Join Date: Jul 2005
Location: Ohio
Posts: 2,772

Bikes: Road bike, Hybrid, Gravel, Drop bar SS, hard tail MTB

Mentioned: 7 Post(s)
Tagged: 0 Thread(s)
Quoted: 1171 Post(s)
Liked 269 Times in 188 Posts
Originally Posted by TiHabanero View Post
DOH! I was off, way off. Live in a no fault state and anything claimed raises my premium, even if I am not at fault. It sucks, but this discussion has been had before.
I hope this doesn't steer to far away from thread intent. but what advantages are there to the "no fault" thing?
Metieval is offline  
Old 11-04-19, 06:47 PM
  #16  
VegasTriker
Senior Member
 
Join Date: Feb 2006
Location: Sin City, Nevada
Posts: 2,633

Bikes: Catrike 700, Greenspeed GTO trike, , Linear LWB recumbent, Haluzak Horizon SWB recumbent, Balance 450 MTB, Cannondale SM800 Beast of the East

Mentioned: 18 Post(s)
Tagged: 0 Thread(s)
Quoted: 459 Post(s)
Likes: 0
Liked 160 Times in 124 Posts
Check with the other driver's insurance company. They are obligated to make you "whole". If they balk at paying $100 for the bike rack threaten to take her to small claims court and give here the option to pay you for the rack out of her pocket. Just the threat may be enough. You aren't going to be able to find much in the way of a hitch rack new for less than the $100.
VegasTriker is offline  
Likes For VegasTriker:
Old 11-04-19, 07:05 PM
  #17  
Rajflyboy
Banned.
 
Rajflyboy's Avatar
 
Join Date: Oct 2018
Location: Carolinas
Posts: 1,293

Bikes: Orbea

Mentioned: 8 Post(s)
Tagged: 0 Thread(s)
Quoted: 917 Post(s)
Liked 205 Times in 170 Posts
Her insurance should pay

have adjuster add that into the crash

her fault not yours

fight like hell. Donít let the insurance weenies win.
Rajflyboy is offline  
Old 11-04-19, 07:34 PM
  #18  
Miele Man
Senior Member
 
Join Date: Jun 2014
Location: Ontario, Canada
Posts: 4,532

Bikes: iele Latina, Miele Suprema, Miele Uno LS, Miele Miele Beta, MMTB, Bianchi Model Unknown, Fiori Venezia, Fiori Napoli, VeloSport Adamas AX

Mentioned: 16 Post(s)
Tagged: 0 Thread(s)
Quoted: 1267 Post(s)
Liked 854 Times in 592 Posts
Originally Posted by Metieval View Post
It shouldn't matter how much you paid for the rack, they need to replace the rack at what ever it cost them to replace it? yes?
I made sure that all items under my insurance are insured for REPLACMENT value.

Cheers
Miele Man is offline  
Likes For Miele Man:
Old 11-04-19, 10:24 PM
  #19  
Jon T
Senior Member
 
Join Date: Jun 2017
Location: West Orange County, CA
Posts: 1,112

Bikes: '84 Peugeot PH10LE

Mentioned: 16 Post(s)
Tagged: 0 Thread(s)
Quoted: 396 Post(s)
Likes: 0
Liked 54 Times in 38 Posts
It should be covered under "Comprehensive". That's the "catch-all" for items not specifically listed.
Jon
Jon T is offline  
Likes For Jon T:
Old 11-05-19, 08:31 AM
  #20  
Leinster
Senior Member
 
Join Date: Jun 2013
Location: location location
Posts: 2,949

Bikes: MBK Super Mirage 1991, CAAD10, Yuba Mundo Lux, and a Cannondale Criterium Single Speed

Mentioned: 0 Post(s)
Tagged: 0 Thread(s)
Quoted: 308 Post(s)
Liked 253 Times in 178 Posts
Originally Posted by rumrunn6 View Post
my agent says she'll get back to me after filing the claim. initially she said for the rack, I'd have to file a claim myself with the other company. I bought it used for less than $100 from a guy in a parking lot, no receipt, etc. she said that my insurance wouldn't cover the rack
It shouldnít matter where you bought the rack. Fact is, you now donít have a rack and itíll cost you to replace it. If she had somehow just broken your bike rack with no vehicles involved, you would expect her to pay to replace it and the same should apply here.
Leinster is offline  
Old 11-05-19, 09:07 AM
  #21  
Wilfred Laurier
SeŮor Member
 
Wilfred Laurier's Avatar
 
Join Date: Feb 2013
Posts: 5,063
Mentioned: 5 Post(s)
Tagged: 0 Thread(s)
Quoted: 646 Post(s)
Liked 283 Times in 207 Posts
I disagree with your decision to not pursue the other driver for replacement of the rack.
I also got my rack - a Thule 4 bike hitch mount - second hand for cheap, but if it was damaged I would have to spend much more to replace it - good racks are hundreds of dollars.
Wilfred Laurier is offline  
Old 11-05-19, 09:16 AM
  #22  
c_m_shooter
Senior Member
 
c_m_shooter's Avatar
 
Join Date: Sep 2006
Location: Paradise, TX
Posts: 2,025

Bikes: Soma Pescadero, Surly Pugsley, Salsa Fargo, Schwinn Klunker, Gravity SS 27.5, Monocog 29er

Mentioned: 1 Post(s)
Tagged: 0 Thread(s)
Quoted: 156 Post(s)
Liked 204 Times in 146 Posts
I prefered the roof mounted rack when I had one. Every hitch mounted rack I have owned has been ran into. Each time the other driver has fled before I could get a plate number. Seemed ironic that the local bike shops refused to sell me a roof rack because so many people try to pull into their garages with a bike up there.
c_m_shooter is offline  
Old 11-05-19, 10:02 AM
  #23  
indyfabz
Senior Member
 
indyfabz's Avatar
 
Join Date: Jan 2010
Posts: 34,130
Mentioned: 202 Post(s)
Tagged: 1 Thread(s)
Quoted: 15505 Post(s)
Liked 9,488 Times in 4,651 Posts
Originally Posted by Jon T View Post
It should be covered under "Comprehensive". That's the "catch-all" for items not specifically listed.
Jon
Yep. I had my roof rack stolen off my car. I didn't have comprehensive coverage (primarily a beater city car), which would have covered the theft.
indyfabz is offline  
Old 11-05-19, 10:19 AM
  #24  
Rajflyboy
Banned.
 
Rajflyboy's Avatar
 
Join Date: Oct 2018
Location: Carolinas
Posts: 1,293

Bikes: Orbea

Mentioned: 8 Post(s)
Tagged: 0 Thread(s)
Quoted: 917 Post(s)
Liked 205 Times in 170 Posts
Originally Posted by Wilfred Laurier View Post
I disagree with your decision to not pursue the other driver for replacement of the rack.
I also got my rack - a Thule 4 bike hitch mount - second hand for cheap, but if it was damaged I would have to spend much more to replace it - good racks are hundreds of dollars.
Rajflyboy is offline  
Old 11-05-19, 10:24 AM
  #25  
NoWhammies
Senior Member
 
NoWhammies's Avatar
 
Join Date: Jul 2017
Location: Pacific Northwest
Posts: 1,758

Bikes: Argon 18 Gallium, BH G7, Rocky Mountain Instinct C70

Mentioned: 10 Post(s)
Tagged: 0 Thread(s)
Quoted: 722 Post(s)
Liked 383 Times in 236 Posts
Oh man. That's terrible about your luck. I hope you're physically ok.

Your post reminds me of what I'm always worried about when a) my bike is on my rack or b) I'm driving around with the rack on my car. That someone will not be paying attending and slam in to me. The rack will get ruined, not to mention the additional damage to the car. I hope you're able to find a suitable replacement that you like just as much.
NoWhammies is offline  

Thread Tools
Search this Thread

Contact Us - Archive - Advertising - Cookie Policy - Privacy Statement - Terms of Service - Do Not Sell My Personal Information -

Copyright © 2021 MH Sub I, LLC dba Internet Brands. All rights reserved. Use of this site indicates your consent to the Terms of Use.