My insurance company covers chip repair for free.  They sent me straight to Safelite and they "fixed" it on the spot no charge.  Maybe your insurance is the same.

I thought about muting it but I think it might be helpful to have audio in some situations (like me reading the tag number aloud at the end of the vid).

Damn, you found me out!    



Naw, that music is too gay for pajama boy!  

Ok, I guess I should call USAA and check.

Was the truck hauling rocks? Didn't look like it. It came from the road and no one owns it.

I blame the music, turn that shit off and the road won't try to destroy your car out of spite.

Ok, I'm sensing a trend here.  Does GD have something against mellow music?  I've never seen this forum so united on one topic.  Surely some arfcommer appreciates my music?  Anybody?  

Nope.  If you can't secure your gravel, dirt load, you pay for it.  Don't clean of the dump lip or secure the gate ion your truck, you pay for it.   Don't clean off  the tracks on the excavator and drop shit on the road, you pay for it.



 

I wish I had video of the rock to the windshield I took with a customers Jeep 2 months ago.  I was out test driving on the highway at about 60 mph and a rock about the size of a golfball came out from a dump truck coming at me the other direction.  Hit hard enough to leave broken glass on the dashboard.  Made me happy I wasn't on a motorcycle.

No shit. OP should have to straight up pay for a new windshield cuz of that noise.

Really op.......a rock thrown and a chip???.......I commute from Delaware to south philly  5-7 days a week on i 95.....ladders falling off trucks and laying in the road across 2-3 lanes that you roll up on at 75+ mph with the retards in front/around you is a weekly occurrence .....and your worried about a fucking stone chip in glass....i

I don't know who you were listening to but I think you'd like Jewel.  I'll admit that I listened to her in the past during some emotional times.  How about you?  You can open up here if you want.  

New cars attract road hazards and vandals.

USAA covers rock chips free of charge to you under comprehensive coverage.

Before starting a thread on arfcom to determine 'financial responsibility'? Lol, That would be silly

USAA will repair rock chips free, and if the damage is larger than a one dollar bill they will replace the windshield.

THAT being said, you are driving too slow in the passing lane and your music is terrible.


Aviator

Yup.

Lol, if it was a dump truck full of untarped gravel you might have a case, albeit an uphill case that would cost you more in time and aggravation than a chip repair or new windshield would run. But some dude just cruising in his OBS Ford that you passed, you should be embarrassed to chalk that up to anything but an "act of God".

And your choice of music sucks.

Doesn't everything touch the ground first?

Dang, I listened to a Jewel song on youtube and it is a pretty close match to that song I was listening to!!  

But you guys know everything (collectively).  I'm sure to get a better answer here than from a random USAA operator.  

That didn't work for me.  I met an oncoming dump truck.  Cracked my windshield so I turned around and followed him.  He had a couple inches of rock piled on the bumper.  Didn't bother sweeping it off.  He told me it wasn't his problem.  Highway patrol said the same thing.  

Ok, so just how fast do you think I need to pass cars?  There were no cars behind me.  If it wasn't almost bedtime, I would post the video from my rear camera so everyone could see just how clear the road is.  I can't believe the assumptions people are jumping to!

In Ky with all the coal trucks you get two free windshields a year with no impact on your insurance premiums. State law.

Call you insurance company, most do the repair service for free. Safelite did ours a several years back, came to my wife's work, fixed and was gone in less than a hour. IIRC it comes with a life time warranty not to crack.

If its not cracked, insurance isnt going to replace it for a 'pit'.

that's how I understand it


Knew a guy get jacked up by a semi that shed a tread  , but since it hit the ground before he hit it


Insurance co said road debris so SOL, contact your own insurance





 

I just went through this scenario with my vehicle.
I live in Austin, and the occurrence happened on I-35.

I was driving behind a truck in the left lane going southbound. (BTW I did not watch your video.)
All of a sudden, there was a shower of rocks and mud and debris that came from underneath his
vehicle and struck the front of my vehicle. The rocks were not lying on the road - it literally came from
somewhere underneath his vehicle. I got his license plate number and called my insurance company.
FWIW I have Nationwide Insurance and have been a customer for 37 years - both home & auto.

The claim representative was able to look up the plate while I was on the phone and found out that
the truck was registered to an excavation company. Following is a summary of what was told to me.

Yes, they are responsible for the damage, Even if there is just a nick, they are legally responsible
to make you whole, i.e. repair the damage(s). I ended up having my hood, front bumper, roof, and front fenders
being repainted. Both of my headlights, hood emblem/badge, front windshield, grilles, and sunroof were replaced.
It was covered under my Comprehensive coverage and did not count "against" me. My insurance would pay for
the repair whether or not the other person/company would.

However, my insurance company did admit that it might be difficult for them to collect from the other person
and/or company due to a number of factors. I'll defer on the details since that is another subject altogether,
and it was not part of your original question. Although, having a video recording would definitely help your case.

I'll also address other issues that have been brought up in this thread that are related and that I've had direct
experience with. Following is a summary of what my insurance company has told me past dealings with them.

If you hit debris lying on the road, it is your responsibility to pay - either by yourself or under your Collision coverage.
I found this out when I hit a deer that had been hit by another vehicle. Since the other vehicle knocked the deer into
my vehicle, it was covered under my Comprehensive. If I had hit the deer while it was lying on the road (even after
being immediately hit by another vehicle), it would have been my fault, and it would have been covered under Collision.

On another occasion, there was debris that fell off a tractor-trailer and hit my vehicle. Whether or not the debris hit the road,
it was the other driver's responsibility once it hit my vehicle (which was following behind). I'm not sure about a rock, but if
someone else hits debris that's already lying in the road, and it immediately hits your vehicle, then it is covered under your
Comprehensive, and it does not count against you. I am not sure if the other person is legally responsible in this case.

In none of the scenarios was it factored into how closely I was following, i.e. it did not matter.
Also, it didn't matter if it touched the road or not - only if it was already lying on the road versus being propelled/flung/dropped
from the other vehicle.

The best advice that I can give to you is to call your insurance company - just inquiring should not count against you.
Mine will open a claim, and if you find damages, then they will tell you how to proceed. If you decide to pay out of
your own pocket, then they will close the books on it. But be sure to keep the claim number handy just in case you
find more damage than you initially thought. In the final analysis, the more reputable ones will step up to the plate and do
what's right. That's what you pay them for. If yours doesn't, I would seriously consider getting another insurance company.

Company policies and state laws may vary. Good luck with your situation.

I'm wondering if I should just get the cheapo $40 repair and hope it doesn't crack or try to file with USAA and get a new windshield.

Get the repair, sometimes they don't seal the windshield property and it leaks water.
A repair done right is safe, lasting and barley visible.

 
Well OP, if your thing is buttsex, bubble baths, and Barry Manilow, that is on you.


 

Seriously though, this is what comprehensive insurance is for... acts of God.  Call them and get the windshield fixed.

Wow, that's a lot of good info.  I figured there was probably much more to it than I knew.  I'll just talk to my insurance company and see.  And yeah, I don't know why more people don't have cameras.  Otherwise, it can just be your word against the other driver.  And people's memories of an accident can be very flawed.

Ok, for all the goofballs saying that I am blocking traffic, here is the full footage from the rear camera.  And I didn't remove the music so you all can enjoy even more of it!  

Rear Camera Footage

And with that, I am off to bed!

In Texas, your windshield will not be covered by insurance.  There is also no point in fixing it.  I can tell you haven't been here long.

In a word, no. Unless it was from a gravel truck with an unsecured load. Even then you might have a hard time getting anything.

I've had three (3) windshields replaced in Texas by my insurance company.
One was cited in my example above where it received a bunch of nicks.
Another was replaced when it received a rock chip that was bigger than a quarter.
And another one was replaced when a crack appeared from the heat and started spreading across the windshield.
Maybe it's the difference between your insurance company and mine?

LOL....

I can empathize. Brand new Jeep wrangler got a crack from tire thrown rock at less than 200 miles on the odometer. If I wanted a replacement windshield from Jeep with the Jeep grille logo and the little Jeep in the corner it was close to $1000 for a windshield. A generic windshield is like $200.

The worst part is you get a small crack and you just drive with it knowing you will get another, for like 2 years until it finally runs all the way across so you have to replace it. Then you replace it and you get a new fucking chip in a week.

I don't think people should be responsible for rocks kicked up by their vehicle under most circumstances.  But when quadaxles are driving around without flaps on the back, fuck yeah they should.  Their choice to not run flaps makes it negligence, IMO.

Same here in WY, insurance didn't cover my wife's windshield. And if you are ever thinking of moving to WY, you might as well get it over with and chuck a rock at your own windshield, because it will happen eventually if you drive our Interstates, highways, county roads.

You need some more appropriate driving music . . .

Is that some kind of road rage prevention music?  I work with a guy who only listens to Hall & Oates when he drives for that reason, says it keeps him from getting road rage.

No one likes Russian pop.  Play some Stravinsky if you want to represent.

I'm on my 4th windshield in my 2013 4Runner.

Only state worse on glass is Alaska.

It's a Prius. That's what's wrong with it.

Just take it to Safelite (they're the USAA glass shop) and get them to do a chip repair.  Do it before it cracks for real.

Yup, I have the windshield on my Toyota FJ Cruiser replaced about twice a year. Last time I was going home from the replacement and caught a rock


Aviator

Shit here on the freeway I am constantly getting hit. I have about 10 chips and two cracks in my windshield. With 3-4 lanes, heavy traffic, 75-80mph speeds and the gravel trucks there is no avoiding chips, it would be pointless to replace the glass until it is really bad because it will just get damaged again.

What pisses me off is when fuckers in the left lane pass gravel truck at 1mph faster putting me in his wake of bouncing pebbles, get the fuck by. Then you have the morons that cannot keep off the break down lane and kick up all the pebbles that have collected, keep it between the lines dipshit! In heavy traffic there are few options, you are often locked in your position by other vehicles so backing off or moving over isn't an option.

How do you know it didn't fall from an airplane OP?   Large outdoor treadmills get rocks on them sometimes...

You have got to be kidding me OP.
What the hell are you smoking?

Don't buy a jeep, jk's have a little more rake than prior models, but it's still basically a flat flyswatter moving at 70 mph. Fucking cracks all the time, i've put 5 windshields in since I got it in 2008, none since it's no longer my DD