And I bet his insurance won’t cover it.

There are a few dangers you accept as “standard” on the road. For example, you know that it’s possible that someone is going to rear-end you, or that you might lose control of your vehicle on ice and scrape against a curb.

However, what you probably *don’t* expect is a pipe falling from the sky and shattering your back windshield — and yet, that’s exactly what this guy says happened to him. Who the hell am I supposed to bill for this, exactly?