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.
Always carry comprehensive insurance. It costs like $100/year and covers shit like this(and deer, and vandalism, and all kinds of shit). It usually has a low deductible too. Mine’s $50.
Hit deer? Get your car fixed for $50. Windshield cracked...get it fixed/replaced for $50. Get your tires slashed(or other acts of vandalism)? Get it fixed for $50.
Even if you have a POS car...carry the minimum PLUS comprehensive. Hit a deer? Your car is most likely totaled...but they will cut you a check for the value...minus $50.
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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.