If Your Bike Falls Off Your Car, Are You Covered?
Accidents happen. Make sure you are insured in case a bike, or anything else, falls off your car and onto the road.
Q. I occasionally travel with one or two bicycles on my vehicle. If the bikes fell off the car, would they be covered by my insurance? What if the bikes damage other vehicles while they’re bouncing down the road?
A. The liability portion of your auto insurance likely covers damage and injury your bikes cause to other vehicles—or people or property—if the bikes fall off your rack. Because your homeowners or renters policy protects your personal property wherever it may be—in a hotel in Colorado, at home or on a bike trail in South America—it also covers damage to the bicycles. The cause of the loss must be an insured peril, as listed on your policy. See your policy for details.