Insurance is such a farce. A truck dropped a 4x4 piece of wood off that back of it and I drove over it, didn't even see it as it blended in the road and it was sunny. About 5 cars after me hit it also. It split 2 rims and shredded my tires causing about 5 g in damage. It was considered At Fault and my insurance went up of course. What a fukin joke. Even if I saw it I wouldn't have been able to avoid it with cars on both sides of me going 100km on a busy highway.