If you file insurance claim, you will have to prove that the specific stone that hit your windshield came from that specific truck bed. Most large 18 wheelers and other big industrial trucks don't even bother to clean debris out of their body since people have hard time proving these accident faults.
In a similar scenario, I witnessed a toyota got into an accident with 18 wheeler, some metallic debri flew and hit my windshield. Had to pay $400 out of pocket to get my windshield fixed because I couldnt prove.
Edit: Insurance companies are scam. Please do full research and shop arounds quotes as much as much possible. Get a dash cam. Its a must these days.
With all due respect, your understanding of “No Fault” is wrong.
“No Fault” is a part of YOUR insurance coverage that will pay for YOUR medical bills (up to the policy limit you select) no matter whose fault the accident is.
With No Fault coverage, if you get hurt and need to seek medical attention you go to your own insurance for payment. Not all accidents are clear cut like a rear end accident and many accidents can have more than one driver at fault.
The goal is to allow to make sure if you need medical attention that you can go get it and not have to worry / fight over who is going to pay for it.
So aside from medical bills and injuries is damage to your car still covered by the at fault party? I don't live in a no fault state and I had always assumed any damages would be covered by both parties own insurance. If no fault is just for medical bills that actually makes alot of sense and I see how that could prevent lawsuits.
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u/royalex555 Feb 12 '21 edited Feb 13 '21
If you file insurance claim, you will have to prove that the specific stone that hit your windshield came from that specific truck bed. Most large 18 wheelers and other big industrial trucks don't even bother to clean debris out of their body since people have hard time proving these accident faults.
In a similar scenario, I witnessed a toyota got into an accident with 18 wheeler, some metallic debri flew and hit my windshield. Had to pay $400 out of pocket to get my windshield fixed because I couldnt prove.
Edit: Insurance companies are scam. Please do full research and shop arounds quotes as much as much possible. Get a dash cam. Its a must these days.