can never predict what the other guy's insurance company will do regarding your claim. Some guy ran into the back of our SUV & crushed a bike rack I had just installed(it actually absorbed the impact). His insurance company told me that since neither their driver nor the police report mentioned the bike rack with the 4 bikes on it, they weren't paying for it....I got lucky when the trooper agreed to call them & set the record straight 6 months after the accident.