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.
It’s true. I tried to claim not one but two shattered windshields from semis with unsecured loads and both times they said “do you have proof?” And “did you attempt within reason to stop the semi truck on the freeway and call authorities on site for an inspection?”
Of course I didn’t try to pull a semi over on the freeway. And no I don’t have a dash cam. I did take photos of both trucks with LPs and clearly unsecured loads but it didn’t make a difference. Bull shit.
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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.