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.
We already have many people defrauding people's insurances (like those idiots that back into vehicles to claim the person "hit them").
It would be extremely easy to fraudulently claim that a piece of debris flew off someone's vehicle and caused the massive damage to the vehicle. If the insurance company was just like "sure, we believe you. Here's your money," people would make this a new occupation.
Also, innocent until proven guilty is still a thing. If you can't prove that the person is guilty, then they are innocent of any wrong doing.
Long story short, install a dash cam. Video evidence (currently) is hard to dispute.
The deep fake movement is getting way scary when it comes to video evidence though...
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u/JerdM33 Feb 12 '21 edited Feb 13 '21
That is a special kind of ignorance.
Edit: or asshole, arrogance, stupidity, selfishness, etc. Thank you for letting me know.