Trucks have an obligation to secure their cargo in a way the prevents it from being dislodged or being flung out and causing damage to other vehicles or becoming roadway hazards that can result in serious car accidents.
However, sometimes trucks have signs posted on their rears that caution drivers to keep their distance while claiming they are not responsible for damage to other cars caused by debris falling from their cargo loads. Can they actually absolve themselves from liability by simply stating they aren’t responsible for the damage they cause?
Put bluntly, no, they cannot. It is a trucker’s legal obligation to secure his or her cargo in a way that will prevent debris from leaving the hold. Even dump trucks that are hauling rocks should be adequately covered by a tarp of some kind to keep debris from escaping and damaging other vehicles. Stating they are not responsible for their failure to secure their cargo does not mean they are legally removed from their obligation to secure their load.
If your vehicle was damaged by debris flying from a truck, the truck’s owner is responsible for the damage, regardless of any signage that might be on the vehicle. Nevertheless, keeping distance from these trucks is a good practice since it reduces the risk that something will actually hit your car.