While driving on the highway or on a busy surface road, you've almost certainly experienced the annoyance of having a nearby car or truck kick up a piece of gravel that dings against your windshield or fender. There are often a few seconds of panic as you check the glass for damages, knowing that even a tiny chip can spread into a large, jagged crack. Often, the driver of the vehicle who caused the event is unaware that anything is wrong. This raises the question, if you are the driver or the owner of the car or truck that kicked up the rock, could you or your auto insurance company be held responsible?

What Is Considered Road Debris?

Road debris is considered any object in or on the road, and it's generally covered by a driver's collision or comprehensive coverage. For instance, if you blow a tire and another driver runs into the rubber debris, it is considered a collision. You are not considered responsible, and the other driver's collision insurance will cover damages.

If your truck should kick up a rock and ding another car's windshield, you are likewise not responsible, and the other driver's comprehensive coverage should cover damages. Finally, if a piece of debris should fall off your truck, your liability depends on what happens next.

When Could You Be Liable?

If an object—whether a piece of equipment or a part of your load—should fall off your truck and directly strike another vehicle, the other driver would likely have a case and could sue you for damages. This is particularly true if they can prove you've been negligent somehow or failed to secure the load properly. However, if the object should hit the ground before striking the other vehicle, it's considered road debris and you are likely not liable.

To ensure you or one of your employees doesn't bring a liability suit down on your business, always make sure to secure loads properly. Before departing, walk around the vehicle and inspect it to make sure everything is in order. Train all drivers and warehouse personnel on the proper safety precautions.

For expert help designing a commercial auto insurance policy, contact Schommer Insurance in Hastings, MN. They are locally owned and operated and serve businesses and individuals throughout Dakota County. They specialize in residential and commercial auto insurance, as well as business, home, and life insurance. You can request a free quote by visiting their website or by calling (651) 319-0699 today.