Well, if you have AAA automobile insurance, you might be covered. I recently spoke to an agent and asked him specifically the question, “If my bike that is on my hitch mount rack falls off while I’m driving and the bike hits another car, will I be covered?” Since this was such a foreign question that he has never heard about, he called their Underwriting team and they verified that with their policy, the damage caused by their insured’s bicycle will be covered.
Just to be sure that your auto insurance will do the same, it would be best to talk to your agent to get more info. It could be different for each carrier.
oh wow… that is good to know. i always thought about that.