Truck drivers, especially those hauling loose materials like gravel, realize they may lose portions of their load, which could result in windshield dings or even accidents. That's why many hauling companies mount signs that read, "Stay back! Not responsible for broken windshields." However, this verbiage doesn’t always absolve them. In some instances, commercial drivers—or at least their auto insurance companies—are, in fact, responsible for resulting damage.

Who Is Responsible for Road Debris Damage?

One common case is when debris falls from the back of a truck, strikes another vehicle, and cracks the windshield or otherwise causes an accident. In such instances, the fault lies with the driver of the truck, and their auto insurance company is responsible for any resulting damages. One exception to the rule: if the debris dropped from a truck hits the pavement and bounces before striking another vehicle, the commercial driver isn’t responsible.

Another common case is when the tire of a truck kicks up road debris from the ground, which subsequently damages another vehicle. In this case, fault does not lie with the truck driver. It’s considered happenstance, and the damaged vehicle's insurance company must shoulder the cost.

How to Avoid Road Debris Damage

The AAA Foundation for Road Safety estimates that, between 2011 and 2014, road debris contributed to more than 200,000 police-reported incidents. Two-thirds of these were the result of debris—often blown tires and muffler parts, but sometimes unsecured cargo—falling from trucks because of faulty maintenance and failure to secure the load properly. Commercial drivers can avoid such problems by investing in regular auto maintenance, covering loose materials with a tarpaulin, securing all loads completely, and not overloading the vehicle.

To protect your fleet from road debris responsibility with commercial auto insurance, contact Patton Insurance Group in Springboro, OH. This experienced, independent insurance company represents a number of well-known insurance brands, including Foremost®, Progressive®, and Erie Insurance®. They specialize in auto, motorcycle, business, life, and homeowners insurance. Visit their website or call (937) 886-9966 to request a free auto insurance quote.