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Originally Posted by shakran
Yup. Good point. Unless it's caused by equipment failure or "act of God" as the insurance companies put it (a rock dropping from a cliff onto your car would qualify), the idea that a traffic "accident" is an accident is stupid.
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Reminds me of something a trucker told me: if a truck kicks up gravel and damages your car, it isn't their fault. If something falls off the roof and damages your car, they pay for it. Any damage caused by a commercial truck should be reported as having been caused by debris falling off the roof.