If you don't have one GET ONE . Wish we would have gotten one like we talked about before we did our cross country road trip. I wouldn't be in the situation we're in. Traveling on I75 in Georgia ...
Since there was no actual collision, should this not be covered under the comprehensive portion of your policy, similar to a windshield damaged by a stone? Some years ago I caught a big piece of ice from the roof of a semi trailer squarely in the grill of my truck. Covered under comp as an act of God.