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Is the Bike Rack on the Back of Your Vehicle Covered?

By November 17, 2016September 23rd, 2021Insurance

Photo of a family in a car

Having a bike rack on your vehicle can give you some big opportunities. You can now take your bike with you on your next adventure. But, what happens if the rack is damaged in an accident? What about the damage to your bike in that accident? If you have auto insurance, chances are good that your coverage will protect your losses from these instances. However, there are a few things to keep in mind in this area.

What You Need to Know About Your Car Insurance

Bike racks are often mounted to the back of a vehicle or to the rooftop of the vehicle. They transport bikes to and from locations, but are generally secured directly to the vehicle in some way. If you are involved in an accident in which the bike rack itself is damaged or lost, it is likely your car insurance will cover the claim. In these instances, you can file a claim under your personal property auto insurance coverage for the bike lost or for the damage to the actual bike rack. You are likely to get replacement cost value for the item lost, which will allow you to replace the bike or rack. If your policy is for actual cash value, on the other hand, the policy will pay only for the current value of the bike at the time of the loss, which can be significantly less.

If you are involved in an accident that leaves your bike damaged, the type of auto insurance you have will play a role in your coverage.

  • If you caused the accident and collided with something or someone, you will have coverage if you have collision insurance.
  • If someone else caused the damage to your bike, their liability insurance will cover your losses.
  • If the damage is to the bike rack itself, rather than the bike, it is likely your property insurance under comprehensive coverage will cover the loss.


If you plan to add a bike rack to your car, talk to your car insurance provider as a first step. This will give you some indication of what you can expect if you end up filing a claim under this policy.

We’ll help protect your car. Call Miller’s Insurance Agency, Inc. at (610) 269-4500 for more information on Exton auto insurance.

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