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I'm not 100% sure on the regulations with insurance companies, but the tabacco stick problem would have been the fault of the person who gets hit. If the projectile has had time to hit the ground (like it did) then it is considered to be avoidable, and the driver is responsable for not avoiding it. This happened to a friend of my father's a number of years ago, but it wasn't a little stick, it was a bag of concrete, which totalled his car.
But now we can look at ice falling off trees and signs and rooves of buildings. These pose a far bigger risk than a car on the highway. You surely can't start arguing how ice should be cleaned off the trees...
And my point, that I've mentioned twice now, still stands. If you have gotten hit all of these times by ice, then the people who don't clean off their cars, theoretically, get hit just as much. They aren't complaining though, and they still don't clean their cars off.
But now we can look at ice falling off trees and signs and rooves of buildings. These pose a far bigger risk than a car on the highway. You surely can't start arguing how ice should be cleaned off the trees...
And my point, that I've mentioned twice now, still stands. If you have gotten hit all of these times by ice, then the people who don't clean off their cars, theoretically, get hit just as much. They aren't complaining though, and they still don't clean their cars off.