Road Debris Accidents: Will Commercial Insurance Cover You When a Rock Hits Your Windshield?

Do you know that road debris like rocks and sand have caused more than 200,000 accidents in the past four years? The AAA Foundation for Traffic Safety has revealed that these accidents have resulted in 500 deaths and 39,000 injuries. 
​
Most of these accidents were due to debris falling from trucks, vans, and other large vehicles. At the same time, some of these are from debris that was kicked from the highway.  Find out if your commercial insurance covers this type of road debris accident.

The vehicle in front is not responsible if
If the car or truck kicks debris off the highway and hits your windshield, the driver is not responsible for any damage. The driver is not at fault. 

The vehicle in front is responsible if 
If the vehicle in front of you drops gravel, debris, construction materials, and tools while in transport, and these hit your windshield or any part of your car, the driver or owner will be responsible for the damage.  

Your responsibility as a commercial vehicle driver
As a commercial vehicle driver, you should take care of your car or truck like it's your own. It would help if you considered safety at all times, especially when driving on a highway with open trucks, large vans, and reckless vehicles. 

Always follow other vehicles from a safe distance. Keep away from open cars and those with large and unsafe loads. But if you can't avoid traffic, slow down to prevent accidents. You may also slowly change lanes rather than speeding away. A quick change of pace and lane change may also result in accidents that will be your responsibility. 

Your responsibility as a commercial vehicle owner
As an owner of a commercial vehicle, you should consider these situations very seriously. Besides constantly reminding your employees of road safety rules, you should also consider comprehensive commercial vehicle coverage. This type of content may include glass damage or any kind of damage due to road debris. 

Conclusion
Review your existing commercial insurance coverage and update it depending on what your company needs. Make it a habit to check your content every time you add vehicles, take in new business lines, or update your products or services. 

At Best Insurance Group, LLC, we do our best to ensure that our clients are well-protected with affordable and comprehensive policies. We make sure to go the extra mile to help you with your needs. To learn more about how we can help you, please contact our agency at (970) 674-5000 or Click Here to request a free quote.