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If the object came off the other vehicle there liability coverage will pay for the damage. If it came off the road and was just kicked up by their vehicle then they are not liable for the damage. In that case it is called road hazard and would not be covered by the other parties insurance. Your insurance will pay for it if you have physical damage coverage on your vehicle.

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Q: What happens when a car drops something in the freeway and it hits your car?
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