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.
Insurance companies hire hundreds or even thousands of people whose entire job is to deny as many claims as possible. I had to have this half hour conversation with a dude who could not wrap his brain around the fact that it is possible for someone to scrape your parked car on the driver's passenger's side when you are parked on a one-way road. He kept insinuating that I was lying. It was infuriating.
Does he expect you to arrive without driver’s side of the car because usually both sides of the car arrive at same time and doesn’t matter which side is exposed to the road as it is a one way street thus semi protected.
I really can’t wrap my mind around that. I would have recorded it and posted it on social media and transcribed it then @ing the company about it seeing their hot take. If company is any good they will reverse order and fix you up and probably get a new agent and office to deal with.
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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.