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@ekaj196 The law is that, if you hit a stationary object, it's your fault. Hypothetically the owner of that hammer now has the right to claim damages against you for the repair or replacement of their hammer. It does sound ridiculous, but the law is the law. Liberty Mutual has to consider...

@ekaj196 There's no such thing as "zero liability". Everyone is 1% at fault and can be proven so in suit. The laws in place are called "civil duties" and your breach of these duties is called a "tort". While a truck driver does have a duty to not leave shit on the road, you have the...