Quote:
Originally Posted by bradleyland
If you're unable to react to stationary debris in the roadway because the car in front of you blocked your view, you're following too close. You can make all the excuses you want, but what the insurance company expects is that you'll make affordances for road debris.
A lot of people here aren't going to like that answer. You may not like that answer, but you asked the question: "Is there a way to protect ourselves from such events financially?" The only way to protect yourself financially is to not be involved in incidents as described. It is entirely possible to drive on the highway and not run in to stationary road debris, provided you are not following too closely.
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Leave a 5-car gap on a busy California freeway and it will be filled. You can spend your day falling backwards, but I'm not going to do that. Whatever...