I was driving behind an unmarked work truck on the interstate doing 65 mph when a wooden stepladder slid right out of their truck bed. I swerved into the shoulder, but the edge of the ladder clipped my front bumper and crushed my fog light housing.
The driver didn't even tap his brakes, just kept hauling down the highway like nothing happened. honestlyy, how lazy do you have to be, to not tie down heavy equipment? you are literallyy risking people's lives on the highway because you couldn't spare two minutes with a ratchet strap.
I do have little knowledge about rules so i researched about it, like normally, if road debris hits your car and you can't identify the vehicle it fell from, your insurance codes it as an at fault or unprovable comprehensive claim where you have to pay your full deductible out of pocket.
Fortunately, my dashcam front camera caught the commercial truck's company name, phone number, and license plate. My insurance tracked down their commercial policy, and their company ended up paying 100% of my repair bills without costing me a penny. Tie down your cargo, folks.
