I say, "Put the bike inside!" I got rearended one time with my bike on the back of my Saturn wagon! My insurance didn't cover the bike or the rack since it was only temporarily attached. Since then, I've been putting my bike in the back of the wagon, even in the trunk of my Cavalier, and I have no fear about the tC because the hatch provides so much access -- I don't have to worry about messing up the car.
Good luck,
-K
Good luck,
-K