Who Is Responsible for Cracked Windshield if Dump Truck Loses Debris On the Road?

Nothing is worse than driving along, minding your own business and – CRACK! – a rock or piece of debris hits your windshield and leaves a crack. Sometimes you can tell where the rock came from, other times you cannot.  But unfortunately, regardless or whether you can or cannot, you are typically going to be responsible for getting your windshield repaired or replaced on your own.