After meeting a friend for a long ride I met my wife to pick up groceries for the week. Going back to the apartment my main concern was grabbing a grocery cart (that are provided to us in order to transport stuff to and from our apartments) which was in the garage below the apartment complex. I totally forgot I had my Cervelo P2 on my yakima high roller roof rack and drove straight into the garage which is a concrete wall! Ripping my roof rack completely off, shattering my rear window of my car and folding both wheels of my bike in half. I know soooooo STUPID! Believe me I have been kicking myself!! I brought my bike to a local bike shop where they said the carbon fibers had been broken in the steering tube, which makes the bike un-rideable.

Does anyone have advice about whether or not the bike, or bike rack would be covered under insurance? I also have renters insurance for the apartment I am staying.

Any advice would be much appreciated!

Thank you!!

Where are the pics?