We were coming down Willunga Hill on the black top in SA and our empty roof rack came off the car roof, broke the pop rivets that held the mounting rails for the rack off the roof (had 1/2 the alloy pop rivet in roof & other half in mounting rails).
Luckily there was a Land Rover Discovery (not a small car) next to us, hit their bull bar & winch then they ran over the roof rack. We had no body damage on our car. Don’t know how it came off our car apart from the broken pop rivets.
The rack was strewn all down the road for 100 metres. Good thing it went under the Disco cos if it had been a bit higher & hit the windscreen it could have injured or killed someone (there was a small car behind the Disco).
Club 4×4 insurance got in touch with the lady driving the Disco and sorted her out straight after I had reported the accident. Club 4×4 covered our rack and the repairs to other car in very quick time. Thank you Club 4×4, I have already recommended Club 4×4 Insurance to other 4×4 drivers.