I live in Las Vegas, NV. On my way to work this morning there was a truck in front of me that had a cloud of dust coming off the back. Something (a piece of gravel I think) flew off the back of the truck and hit my windshield. It put a chip in the corner. I got the name off the truck as I went by. I called their office when I got to work. The owner is not being very cooperative about paying for replacement. The truck was not carrying gravel. Just a bunch of equipment. The owner admited that he sometimes carried sand and gravel and that he was driving the truck himself. Shouldn't the companies insurance cover this?