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 hit a “stationary object” and am therefore At Fault. I am furious. Is this right? What was I supposed to do even if I could see it, swerve and hit another car and cause real damage and injury? Thanks in advance for your advice!