[thomas_Rp]

If a rock falls off a commercial vehicle and cracks your windshield, write down a description of the vehicle/license plate and DOT # (should be a string of several numbers on the bumper or door), company name, driver description, and location then contact your insurance company.

ELI5: Drivers are required to secure their load, meaning anything on their vehicle or trailer. If a semi has a pallet of bricks fly off and hit your car they're not in the clear because they put a sticker saying "not responsible for damage caused by flying bricks". Same principle applies to overloaded dumptrucks or dirty trailers with rocks and dirt clumps on them.

Having said that, don't tailgate dumptrucks.

source:
https://www.reddit.com/r/LifeProTips..._laws_backing/

[X5_CC]

It always annoys me when I see those stupid signs... "not responsible for broken windshields." Um, how about you secure your load instead.

[Captain Gumbo]

You can write whatever you want on your truck, doesn't make it true.

[Xeno]

Would not dash cam videos suffice to address such an episode?

[Captain Gumbo]

Originally Posted by Xeno

Would not dash cam videos suffice to address such an episode?

Definitely. Problem is, do you want to file a lawsuit over a rock chip? It will help getting their insurance company to potentially accept liability without suit, but not a guarantee.