If your hitch causes more damage to the other vehicle then it maybe isn’t saving them money?
Poor drivers are going to cost their insurance more money either way. If they bump into my hitch and cause themselves more damage, what if they bumped into me without a hitch, and caused themselves less damage, but then they would have to pay to fix my truck. A small bump on my truck can push the bumper into the bedside and cause many thousands in damage. I'm protecting me and mine.





