Trucks and broken windshields

April 4, 2008
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Who among us hasnâ??t followed a truck only to watch a rock zing off our windshield. Then you notice a sign on the back of the truck saying the likes of â??Stay back 500 feet. Not responsible for broken windshields.â??

The sign is accurate if the rock was lying on the road and thrown by the truckâ??s tire.

But itâ??s a bluff if the rock fell from the truck. Truck owners are responsible for their cargo no matter what is painted on the tailgate, says Indiana State Police spokesman Brian Olehy.

The problem then becomes yours as you try to prove your case.

What has been your experience?
  • Haven't had the experience here but did on I-10 in Texas. A piece of 2 x 4 flew off a speeding big rig and broke the driver's side rearview mirror. We were fortunate--had it landed a couple of inches to the right, it could have broken caused grave damage to my husband. It happened so quickly and the truck was hauling so we weren't able to even ID the company.
  • Had a rock clearly fly off the dump gate on the back of a truck and smack the windshield. Called the company who told me to call Progressive Ins. A week later Progressive denied my claim saying there was not enough evidence to prove it was their client's fault. I told them I was also a customer and not impressed with this answer.
    I have since moved my insurance coverage (4 vehicles) to another carrier and made sure Progressive knew why.
  • Why doesn't this state require truckers to cover their loads? Would it be that much of an imposition on the haulers?
  • JL, state law requires covering loads.
  • I would just like to say that I have a 2007 es350 Lexus fully loaded with glass top. Its a full boat. And recently I got hit by a rock on my way out of town by one of those trucks. My bill is $2089 for a stock windshield!!! My insurance is $1000 deductable and it will not cover this because they say its not an accident!!! Does anyone know if I can sue the truck company?

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