dodge guy wrote:
Bumpers are required to stop dangerous impacts. a hitch changes how a vehicle impacts another vehicle. its more about safety rather than insurance pay outs, although I`m sure the insurance companies didn't complain!
It`s simple, take it out when not in use.
I've seen what happens when the hitch is hit from behind. It makes the damage much worse because of the leverage. It can twist it so hard that it deforms the frame!
I also take it out because I'm afraid some jerk-wad will steel it. Can you imagine how hard it would be to find a replacement on a Sunday after noon at some CG in the middle of nothing?