If it truly came off the truck it is the drivers responsibility period. If kicked up by a tire I think you're on your own. There is a company around here that has about 20 3 axle dumps they haul for various pavers ect. They have "not responsible for damages" on the back, yeah right. That caries no legal value what so ever. These guys are bad (rude)drivers. Most look like the guys in the wanted posters. As others have said, most of the time the drivers never sweep off the truck after the loader spills stones everywhere and they're sitting on the ledges. Haveing the DOT stop a few for "unsecured" load will fix that. Just because its not in the box doesn't mean its not part of the load.
I must say the use of tarps has gone up dramatically in the last few years.
Only time I ever called the cops on a truck was a semi hauling scrap iron. Small pieces were falling off the truck. After I passed him I realized that those pieces were both the scrap AND parts of the trailer itself. They didn't let him get too far and his truck was parked for a few days.
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