Off-choader
New member
I prefer not to have my bike covered in bug guts so I use a hitch rack. For those worried about getting rear-ended; I would much rather have someone destroy my bike then the rear or my vehicle.
I still prefer the hitch mount but, bikes can get way up there especially if you have 2 high end bikes on a hitch. Im not sure but I don't think that insurance would cover the bikes whereas the rear bumper and hatch would be covered. I don't think the risks are any less if you count the times people have driven into a garage with roof bikes. Each has its risks but the 4runner is too damn high to be putting bikes on all the time