TailChopper, I don’t think you're responsible for that miss happening on the road...But I would like to share an incident here;
Once I was behind a truck, loaded with pebbles...on the turning a small stone stroke to windscreen of my car and left a hole and a big crack there...I thought it was my own luck and that’s it.

But I was told by a friend that the traffic law says in this situation;
‘The truck driver would be held responsible as he did not cover the loading properly’