In my line of work (Autobody Jobber)I see a lot of bike racks on the back or cars that get destroyed in a rear end accident. The person that rear ended the car has to pay for the rack and the bike if it was on the rack.
Also where I live we have a ton of after market bumpers on full size trucks that weigh a ton and cause a lot more damage then the stock one would. I have never heard of a case where the insurance company goes after the customer for a after market bumper causing more damage then OEM. But I wouldn't put past a insurance to try it.
