Fault:
1. Truck Driver: The truck driver may be held responsible if they failed to properly secure the load or maintain the vehicle in a safe condition. If the truck driver was negligent in their duties or violated any traffic regulations, they may be found at fault for the accident.
2. Your Insurance: Depending on your insurance policy and state laws, you may have coverage for damages to your car.
Insurance Claims:
1. Your Car Insurance: You should file a claim with your own car insurance company first. Your insurance may cover the damages caused to your car by the flying debris. Check your policy for details on your coverage and any applicable deductibles.
2. Truck Driver's Insurance: If the truck driver is found to be at fault, you may also have the option to file a claim with the truck driver's insurance company. This can provide additional compensation for damages that exceed the limits of your own insurance or in cases where you have significant injuries.
3. Contact an Attorney: If the situation is complicated, involves significant damages, or there is a dispute about fault, it may be advisable to consult an attorney experienced in car accidents and insurance claims. An attorney can help navigate the legal process, protect your rights, and ensure that you receive fair compensation.
Remember to gather evidence and documentation related to the accident, including photos of the damage, any police reports, and contact information of witnesses. This information will be essential in supporting your insurance claims.
