I’ve spent 35 years in the highway construction industry, working around trucks loaded with stone and other construction materials, and I’ve driven several hundred thousand miles in all weather conditions, both in the city and on the highway. In all that time I’ve only had ONE broken headlight lens caused by debris kicked up by another vehicle.
I’ve seen debris falling from trucks, and I’ve seen rocks and debris kicked up off the roadway, but even if these items struck my vehicle they did not do any noticeable damage.
If things are falling from trucks, the drivers/owners are responsible. If debris on the road is kicked up by the vehicle in front of you, that’s different.
How close are you following these trucks that are losing their loads or kicking up stones from the road?