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08-23-2016, 01:39 PM
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#1
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Senior Member
Join Date: Nov 2012
Location: Portland, OR
Posts: 130
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Massive Rock Hits to Windshield
My family and I had just left my DW's Mother's place in ND this past Saturday.
On a small two lane highway, we met a ND DOT gravel semi that was doing about 70 mph. He must of had his hopper door a little open because he was spraying rocks like crazy. Our windshield took about 8 huge hits causing 3 decent sized spider cracks and a crack that starts at the window edge below the drivers wiper and goes up about 8 inches. Wow that was startling!
That DOT driver would have killed a motorcyclist for sure.
So I'll be contacting our insurance about that. Is a windshield usually covered under comprehensive on insurance?
__________________
2016 FR3 28DS
Past 2012 Forest River Rockwood 2104.
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08-23-2016, 01:56 PM
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#2
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Senior Member
Join Date: Jan 2015
Posts: 520
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I don't think so, but I think it just depends on your insurance/state you live in. We have Progressive which has the option to have a $0 deductible for windshield replacement. We opted for that just in case. I hope you find some good news though!
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Mike
2015 FR3 30DS
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08-23-2016, 02:19 PM
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#3
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Kanadian Kamper
Join Date: Sep 2010
Location: Southern Ontario
Posts: 8,185
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Probably no hope that you have any details about the DOT vehicle to report it huh? Date....time...location...direction...vehicle details?
When there's that much falling out, he's obviously not aware of his load being secured for the safety of anyone else. 
Ever seen a good looking, well maintained dump truck? 
Not gonna happen. 
__________________
Ken and Terry
2018 Sunseeker 2430S-CD, nicely modified and carried by a 2017 Ford E450 Sport
Former Georgetown 330TS owner for 10 years with more mods than I can count, pushed by our 2017 GMC Terrain
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08-23-2016, 03:06 PM
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#4
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HAPPY WHEN RV'ING
Join Date: Oct 2013
Location: Southern California
Posts: 646
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Quote:
Originally Posted by lickem66
My family and I had just left my DW's Mother's place in ND this past Saturday.
On a small two lane highway, we met a ND DOT gravel semi that was doing about 70 mph. He must of had his hopper door a little open because he was spraying rocks like crazy. Our windshield took about 8 huge hits causing 3 decent sized spider cracks and a crack that starts at the window edge below the drivers wiper and goes up about 8 inches. Wow that was startling!
That DOT driver would have killed a motorcyclist for sure.
So I'll be contacting our insurance about that. Is a windshield usually covered under comprehensive on insurance?
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We have Allied Insurance and they did cover the windshield replacement with a deductible.
I'd also be going after the DOT and filing a claim with them.
__________________
Smooth Roads, and, Drive 'em Safe
Curt & Isabel, & 9er (our Goldendoodle)
2014 Forest River FR3 30DS (Beasty)
2014 Honda CRV EX-L (toad)
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08-24-2016, 07:16 AM
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#5
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Senior Member
Join Date: Jul 2016
Location: Broward County
Posts: 301
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Wow!
Keep us posted on the replacement!
Geico in Florida it is covered no deductible...
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08-24-2016, 07:27 AM
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#6
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Senior Member
Join Date: Aug 2013
Location: Florida & Minnesota
Posts: 116
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Our windshield is covered through State Farm.
But I would definitely call the North Dakota DOT and complain. There are rocks that get thrown up by tires (act of God) and rocks being sprayed about by a DOT truck (negligence). I'd call the DOT, tell them the time and the place of the incident, describe the truck and tell them that you expect the state to pay for the damage. From what you described, I wouldn't be surprised if they had other complaints.
Good luck.
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08-24-2016, 07:31 AM
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#7
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Senior Member
Join Date: Jun 2013
Location: Between Pickles Gap and Toad Suck, AR
Posts: 6,070
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Insurance usually covers it.
But feel lucky that your state even requires gravel trucks to cover their loads. For years, the "Gravel Truck Lobby" (I'm NOT making this up) in this state has blocked any attempt to require covered loads. So Safelite makes a living around here.
I made it about 3.303492 miles towards Goshen when a rock solidly hit in middle of the windshield of my Behemoth. I'm tired of turning in claims, so I'll wait till it spiderwebs so badly that I can't see. 
__________________
"Next to prayer, fishing is the most personal relationship of man" Herbert Hoover
"American by Birth, Southern by the Grace of God"Lewis Grizzard
FROG AR-0019-242
2016 GMC Denali 3500Dually--2017 CC 36CKTS
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08-24-2016, 07:48 AM
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#8
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Senior Member
Join Date: Feb 2016
Location: NE Florida
Posts: 962
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Quote:
Originally Posted by DutchRv
Wow!
Keep us posted on the replacement!
Geico in Florida it is covered no deductible...
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Mandated by Florida state law all insured with comprehensive coverage, no deductible
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08-24-2016, 08:22 AM
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#9
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Canadian Contingent
Join Date: Oct 2015
Location: Euro-Recliner
Posts: 196
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Hope you don't have to pay a deductible for each rock hit as each is a separate occurrence! LOL
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Les and Bonnie with 4 Leggers Bella and Shelby
2011 Cedar Creek Touring Edition 36RE 3 slide Full Body Paint pushing our 2015 Ram 3500 Laramie 4x4 CCSB SRW - Anderson Ultimate Hitch
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08-24-2016, 08:43 AM
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#10
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Senior Member
Join Date: Sep 2012
Location: Virginia
Posts: 9,930
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Good luck with trying to get DOT to assist, or a claim against anyone, other than your insurance. You would need the trucks tag number and probably a video to maybe and I mean maybe prove anything.
Good Luck.
__________________
2005 Dodge 3500 Cummins
2017 Wildwood Lodge 4092 BFL
1966 Mustang GT
1986 Mustang SVO
Lillie Spoiled Rotten Boxer Mix
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08-24-2016, 10:27 AM
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#11
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Senior Member
Join Date: Nov 2012
Location: Portland, OR
Posts: 130
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Quote:
Originally Posted by Oaklevel
Good luck with trying to get DOT to assist, or a claim against anyone, other than your insurance. You would need the trucks tag number and probably a video to maybe and I mean maybe prove anything.
Good Luck. |
That's what I figure too. My MIL found out what company has been contracted to do that road work in that area but I doubt anything can be done. I'll pass that info on to my insurance and let them run that rabbit hole if they choose. I talked to my insurance yesterday and I have a $250 deductible so I'll take it, I guess.
Just glad I was not on a motorcycle when that truck met me!
__________________
2016 FR3 28DS
Past 2012 Forest River Rockwood 2104.
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08-24-2016, 10:38 AM
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#12
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DW's 401(k) Plan
Join Date: Sep 2013
Location: Western MD
Posts: 2,372
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Quote:
Originally Posted by Oaklevel
Good luck with trying to get DOT to assist, or a claim against anyone, other than your insurance. You would need the trucks tag number and probably a video to maybe and I mean maybe prove anything.
Good Luck. |
Just one of MANY reasons I'm getting a video camera for my MH. Video silences many doubters.
Hope the OP can recover his deductible.
__________________
"Sunny" the 2017 Sunseeker 3010DS
2006 Jeep Liberty Toad
.... and lovin' life........MOST of the time.
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08-24-2016, 11:11 AM
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#13
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Mod free 5er
Join Date: Mar 2008
Location: Concord, NC
Posts: 24,702
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Think the name of the thread should have been "Massive amount of rocks hit windshield" as a massive rock would have taken the windshield OUT. 
Sorry for your misfortune, hope the insurance co. takes care of it.
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08-24-2016, 01:05 PM
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#14
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Senior Member
Join Date: Jun 2016
Location: Maurice, LA
Posts: 4,095
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Quote:
Originally Posted by lickem66
So I'll be contacting our insurance about that. Is a windshield usually covered under comprehensive on insurance?
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Yes, in every state I have ever lived in
__________________
2012 Wildcat Sterling 32RL, Gladiator Qr35 ST235/85R16 Load rating G, TST 507 TPMS w/ Flow-thru Sensors & Repeater, Reese Sidewinder 16K Pin Box, PI EMS HW50C
2009 Chevy Silverado 2500HD CCSB LTZ Diesel, Fumoto Oil Drain Valve, Turbo Brake activated, 39 gal Aux Tank W/ Fuel Pump transfer, Air Lift Loadlifter 5000 air bags.
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08-24-2016, 01:37 PM
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#15
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Senior Member
Join Date: Aug 2014
Posts: 825
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I had a large semi truck kick up a rock and crack the windshield on my Solera last year. The crack enlarged very quickly and I needed to have the windshield replaced. Safelite Glass came to my camp site in the Los Angeles area and replaced my windshield. I didn't go thru my insurance co when I was realized that it wouldn't cost that much to replace. I don't remember the amount, but it was less than $300. Safelite is nation wide I believe.
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08-24-2016, 03:02 PM
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#16
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Senior Member
Join Date: May 2014
Posts: 126
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Quote:
Originally Posted by lickem66
My family and I had just left my DW's Mother's place in ND this past Saturday.
On a small two lane highway, we met a ND DOT gravel semi that was doing about 70 mph. He must of had his hopper door a little open because he was spraying rocks like crazy. Our windshield took about 8 huge hits causing 3 decent sized spider cracks and a crack that starts at the window edge below the drivers wiper and goes up about 8 inches. Wow that was startling!
That DOT driver would have killed a motorcyclist for sure.
So I'll be contacting our insurance about that. Is a windshield usually covered under comprehensive on insurance?
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That's Crazy.....Sorry for your damage. This is where a dash cam would come in handy.
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08-24-2016, 03:07 PM
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#17
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Senior Member
Join Date: Jun 2013
Location: Between Pickles Gap and Toad Suck, AR
Posts: 6,070
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Quote:
Originally Posted by OldCoot
Think the name of the thread should have been "Massive amount of rocks hit windshield" as a massive rock would have taken the windshield OUT.
Sorry for your misfortune, hope the insurance co. takes care of it. |
LOL that's funny.
One of my word pet peeves is the misuse of Fewer/More and Less/More! What they needed was FEWER rocks!!! LESS rocks would have also been good if they could get them small enough (sand?)!
__________________
"Next to prayer, fishing is the most personal relationship of man" Herbert Hoover
"American by Birth, Southern by the Grace of God"Lewis Grizzard
FROG AR-0019-242
2016 GMC Denali 3500Dually--2017 CC 36CKTS
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08-24-2016, 03:20 PM
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#18
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Senior Member
Join Date: Aug 2013
Posts: 7,916
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I have a friend who owns a pretty good sized construction company here in AR..we have talked about that. They are pretty diligent about sweeping the rear of the truck...I wonder why??? This wasn't the case here obviously, but you have to "prove" it came from the truck and not the road.
Sent from my iPhone using Forest River Forums
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2017 Puma 297RLSS
2005 Ram 2500 4X4 diesel SMOKER!!
I love puns, irony and tasteless jokes...
born in Texas.... live in Arkansas 
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08-26-2016, 06:42 AM
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#19
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Senior Member
Join Date: May 2012
Posts: 316
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Happened to us in Illinois last year. Big dump truck in a hurry passed us and left us a present on our windshield. Our insurance covered it under the comprehensive part.
__________________
Marcel & Jenne
Kemptville, ON
2014 Rockwood 8282WS
2015 Ford F150 Eco-Boost
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08-26-2016, 08:16 AM
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#20
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Senior Member
Join Date: Jun 2012
Location: Florida
Posts: 211
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FYI. Windshield repair/replacement may count as an insurance claim. It did for us in Florida - true, no deductible but a claim. Had insurance through Good Sam dropped them after 2 yrs- yr 2 raised 10% this yr 40% with no incidence or tickets other than windshield on car. In search for new insurance more than 1 company told us we had previous claim for under $400- "the windshield".
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