Most people, if they incur damage to their vehicle its due to an actual accident. Most people, if ever something actually does come flying at them while driving down the highway can say it was only a stupid bird. Most people do not need to worry that their insurance agent will understand that flying debris was something that was out of their control. Heck, most people don't even need to worry about having a conversation about flying debris with their insurance agents.
Most people are not me. (Which, according to the latest Department of Transportation polls is a very good thing.)
A month or two ago, I was driving home from the doctor with Bug in the car with me, and some car in the lane next to me but ahead of me ran over a piece of metal in the road. That piece of metal came winging out under their tires at me. It hit my hood, taking a rather large strip of paint off and leaving a good sized dent. If it had been even an inch higher, it would have completely missed the hood and come through the windshield. Decapitating me. (Ok, maybe just hitting me in the head, but it WAS flying fairly fast and it WAS metal!)
Today on my way to work it was a flying tire.
I was driving behind a big 18-wheeler when a HUGE tire (picture a wheel that had been filetted like a fish.... that was the chunk of rubber I'm talking about) came flying at my car. It slammed into the front bumper. Go ahead..... look at that picture. You can see the tread marks!!! It did so much damage to that stupid bumper that it rendered my vehicle unsafe to drive. So I called the auto body shop to come and tow it. On the Authorization to Repair, there was this disclaimer:
I have removed all personal belongings from my vehicle including: Garage door openers, Fast Passes, Extra keys, CD's, Change, Meteors and False Teeth.
Excuse me? Meteors and false teeth???? Just how many people are leaving those particular items in their vehicles when they take them in to the shop? For that matter, just how many people are CARRYING AROUND those items in their cars??
When I asked the lady at the shop about it, she said that they have actually had instances where these items have been vacuumed up during the clean up of the car. Ok. Meteors I can somewhat understand, although you'd think a big rock would sort of warrant a second glance. But false teeth?!? How do you accidentally vacuum up TEETH?
Having nothing more to say about that, at least--nothing that didn't sound beyond unbelievably sarcastic, I just signed the silly thing.
I did contemplate asking that the tech NOT vacuum when they are done.
Fortunately, I left my false teeth in my other car. You know, the one that has the ability to avoid flying tires.