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@faithisbest Got it. LOL all the downvotes. Guys RELAAAAX at least I’m here asking questions and learning so I’m less of an idiot. Most of the time I’m not actually a jackass

@faithisbest That’s fuckin crazy to the extent that the driver who lost the bales of hay had ZERO liability. I now understand and appreciate the rule of the stationary object, so yes I am at fault, but what about the negligent driver who dropped it IF they are caught? Worked out really well for...

@faithisbest And thank you for the reply. You’ve exhibited patience and care by educating me without tearing into my asshattery. You gave me some benefit of the doubt that just because I’m ignorant of the law or insurance policy it doesn’t necessarily make me a bad person, unworthy of some...

@occamsrazor18 There is a fault: someone else’s negligence in properly securing objects to their vehicle

@bcmillegan Ok but what if it were a mattress that fell off the car in front of me? Or a log? I guess if it happens RIGHT in front of me the objects are not yet stationary?

Earlier in the week I was driving in moderate traffic on a highway in NY, going about 50mph. I hit a HAMMER which clearly fell out of someone’s work truck, did not see it (how could I?), and it tore up my front driver side tire and surrounding panels/wheel well. Liberty Mutual is telling me I...