I don't buy anybody that says all claims are bogus anymore than I buy "Nothing ever flew off of my truck!" Stones kicked up off the road happens plenty and are a whole other thing.
Too many times I've seen pulp trucks leave the yard at a mill and never sweep off their bed, with dirt, bark and stones flying off their bed as they head home. How far should I hang back?
I recall back in the days before seatbelts sitting in the front seat and watching a stone that spilled off the back of a tarped load take three bounces off the pavement before it jumped the hood and hit the windshield right in front of me.
Take it from the guy who is hanging back behind you. It happens.
I drove 20 miles each way to work and back over a two lane road for a lot of years. Shared that road every day with big trucks. I caught a stone every year that required replacing the windshield (my insurance company just LOVED me!), but never directly off the truck, always off the pavement and all but once, it had been kicked up by a vehicle of some sort traveling the other direction.
So I'll allow that more often than not it has nothing to do with careless handling of the load on the truck, but it does happen.
And I remember a day on the Cross-Bronx riding with a friend in his little Mercury station wagon, the day a big truck changed lanes into the left rear of his car. He saw it coming in his mirror and tried to get ahead and away, but we still got hit hard enough to bow his fender and pop out the left rear glass. We tried to flag down the driver. Nothin' doin'. Passed our exit just to get the info off the door. We called the company (up in NH) when we got back to the office. The driver wasn't back yet obviously, but they looked his truck over when he did get in and could see the damage to the truck's fender and didn't contest the claim.
I drive a lot, and I'd rather drive with the big trucks, but not all the idiots are on four wheels.
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