[dentist90]

The only exception would be an unsecured load, eg a dump truck full of gravel that is spilling them.

Heck, my wife gets a new windshield every year on her Wrangler because of the "sand" the highways dept puts down on the road in winter. Some of the chunks are almost 1/2". She has 4 nice bullseyes right now but we won't change the glass until spring. There's no point, she will get more before winter is over.
Comprehensive insurance with windshield coverage is about all you can do for road debris.