My 2 cents...
Following my wife home from Christmas at her parents on I64 in VA - she runs over a 2X4 in the road and it flies up at me. I swerved enough so it didn't come up the hood and through the windshield at me. Instead it takes out the left front corner light - good excuse for those clear corners I was wanting.
Had a beautiful Bimini Blue 93 Ford Escort GT - coming home one night I run over a rake just lying in the road. Big ass rake too, industrial style not your home garden variety. Banged all up under the car. Little while later down the road it's acting weird and I notice it's running hot in the red. Get it pulled over, let it cool and add some water and notice it's all pouring out of the torn heater hose. Stuck on side of road at 3 in the morning.
Wife called me at work one day saying that a rock had just fallen off a flatbed truck in front of her - wasn't secured, just a load of loose landscaping rocks and smashed the windshield of our minivan. I advised her to follow the truck and get license, plates, any identifying info and, if she felt comfortable, try to flag the driver and get his info. I left work to try to catch up with them and assist her in getting his info. The truck wasn't marked on the cab so she got the driver to pull over and they exchanged info. She didn't ask to see a driver's license and the police WOULD NOT SEND ANYONE TO ASSIST since it wasn't a vehicular collision. Turns out the guy gave bogus info. I have connections with trucking companies and tried to find out who this guy was but all I could figure out was that the truck was licensed in Maine, Vermont and New Hampshire. Pretty big area to try to search. Especially with us living in Virginia. So, out one windshield.
I look at these 3 incidents and think about how twice we could have lost somebody, whether due to the 2X4 coming straight at me, or the rock through her van. Or coulda lost my engine due to the overheat. And why? Through no fault of our own. "There ought to be a law" - well there is, but nobody wants to really enforce it as we found out.
Long post I know, but it just makes me mad all over again thinking about it. GRRRR.