I don't think that missing texture would have any effect on crashes, it's a reflection used by the baggage loader canopy which displays only when it's raining so, if you had crashes even without rain, it wasn't related to this. And even in that case, it shouldn't be the cause of the crash, since even the default A321 has some missing textures, but it doesn't cause crashes.
In any case, try with the attached file, to be put into the following folder:
Simobjects\Misc\FSDT_Baggage_Loader\texture\01
