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How come some cars have a clip hanging right below their rear bumper?

You're likely referring to a tow hook or a tow eye.

Here's why they're there:

* Recovery: In case a car gets stuck or needs to be towed, the tow hook provides a secure point for attaching a tow cable or tow bar. It's designed to handle the stress of pulling the vehicle.

* Safety: Tow hooks are often located in a low, visible position so that tow truck operators can easily identify them.

* Regulations: In some countries, vehicles are required to have tow hooks as a safety feature.

Note: Not all cars have visible tow hooks. Some vehicles might have them hidden behind a panel or concealed in the bumper. Others might not have them at all, relying on other recovery methods.