He's got the best insurance ever... I just hope that claim didn't completely destroy his premium...Here's a semi-related story.
Some schmuck installs a bike carrier on his minivan and loads the bikes on for a family weekend getaway. He's cruising down I95 and hits 70mph, and what do you know, the improperly installed bike rack lets loose. It tears the spoiler off the lift gate, flips down and caves in the lower portion of the gate and proceeds to fly into the roadway, exploding with the bikes. Well, he brings it to my shop and his insurance covered it all! Even the bikes! I don't remember his carrier.