How does that work insurance wise? Would comprehensive (if you have it) cover that if you don't have collision (and does "collision" cover it?). Yeah, debris and especially ladders on the roadway, what a nightmare about people who don't secure items on their vehicle. Sometimes, I am nervously behind what looks like something just waiting to fly off. I think cops should (if they don't already") pull these kinds over and write tickets (and then publicize it big time). DON'T drive on roadways with items not securely and SAFELY tied, placed in your pickup, etc.! I think I'd rather be behind (temporarily) a drunk than be behind a construction truck with items haphazardly loaded in the back! It's usually a ladder, isn't it, that we hear about with traffic reports?