Got wife's engine replaced when a city truck dropped a metal cover for gas line valve in front of her and it put a hole in the oil pan, she keep driving, oil light came on and she kept driving!!!
Fried the engine
Went back to where she said the part fell off the truck and found it, even had the "City of .........." stamped on it
Took it to the city yard and told them what happened, they sent me to city office, jumped through a few hoops but they did pay, pro-rated not a brand new engine, lol, but it was fair, engine with about the same miles as the fried one.
Yes, she should have pulled over when the oil light came on, lol, but didn't seem to matter to anyone there, I am guessing they all have wives that are not mechanically inclined
Not a road hazard if you know where it came from
If I was driving that close behind some one speeding on a gravel road with illegal tire covers I would deserve the rock chips