[MRM]

There is an actual answer to your question, Denis, as you probably suspected. I have bad news and good news to offer. First the bad news. Road debris that gets kicked up from the road surface is a road hazard. It is not the fault or responsibility of the vehicle kicking it up because they didn't do anything to put the debris where it was. But if the debris came from another vehicle, that vehicle is responsible. ipso facto. Caveat emporer. Quid pro quo. Sinne qua none. Auto text corrections notwithstanding.

BUT . . .

You will probably find that California (like Minnesota) had zero deductible for glass claims. If you call your insurance adjuster and you'll probably find that California gives you complete glass coverage with zero deductible. Do use one of their recommended glass shops. They're all the same and the one that aren't authorized charge incredible prices that drive up rates.