In October of 2014, a truck dropped two 5 gallon buckets of a liquid off in front of us. They were next lane over but one bozo dodging them clipped one and it rolled in front of our truck and trailer. I could not avoid it and was running 60 mph. It went under the truck and managed to take out the oil filter, lost oil pressure and blew hot oil all over the engine. We could not shut down in the middle of the interstate and had to get over 3 lanes to the shoulder.
Buy the time we got over, the engine was history. The truck pulled over right in front of us and we called the police. He got a ticket for failing to properly secure his load and his insurance got to put a new crate motor in the 2 year old truck. We were off the road 3 weeks total and they paid for a rental car, our campsite and the repair. The engine repair bill from Ford was $23,800.
You never know what will happen when traveling. no matter how carefull you are.
Ken