Muddy field exit on the road, car coming other way flicks a stone up from the mud.

Is the farm liable or just suck it up?

I think they have a duty to clean up after themselves but proving liability? good luck.

Suck it.

Most chip repairs are free if the smug radio adverts I hear six times an hour are to be believed.

Yeah if you have windscreen cover..

Suck it up. You don’t know if the stone that affected your car was trailed out from the field anyway. Might have already been there.

Sliding on the mud might be a different matter though..

Civil Action
Civil action can occur where the presence of mud results in personal injury, damage to property, loss or inconvenience. The presence of mud can constitute a public nuisance and loss or injury can result in a claim for negligence.

Hmm from council website

Yeah if you have windscreen cover..

So you want to blame someone else for your lack of foresight?

Pretty much yeah, problem?

It’s not my fault so why should I pay up?

Is the farm liable or just suck it up?

Seriously?
How do you know the stone was from the field? Why not claim off the car coming the other way? It’s from that car you got the damage.

Or just suck it up (which is the obvious answer).

Windscreen cover is usually standard.

You couldn’t see the Tarmac so I’m guessing…

Clearly, what you saw was what you got…

If you were going fast enough to get a chipped windscreen on a road that clearly had mud on it, I’d suggest you were going too fast for the conditions.

… or the other car was. He could’ve been stationary for the difference that makes.

Windscreen cover is usually standard.

It is, but it usually affects your premiums if you claim and if the mud was left there negligently…

I was aware the mud was there as I live a mile away and it’s been there 2 days. The guy coming the other way was the one going fast.

The farm should take all practicable measures to clean up.

Wysiwyg and mates apprehend unsuspecting farmer, later today:

It’s not my fault so why should I pay up?

funny how you were driving, but its not your fault.

That makes no sense… If the car was parked would it be my fault?

It is, but it usually affects your premiums if you claim and if the mud was left there negligently…

No it rarely effects your premium.

You could approach the farmer and ask but proving it is the problem. Can’t see how another car flicking a stone up means wysiwyg was driving too fast.

Quoting from the Autoglass ad.

If your motor insurance covers glass damage, our windscreen chip repair could be carried out FREE of charge – and won’t normally affect your no claims bonus.

If they won’t or it can’t be repaired then I’m sure if you had this conversation with your insurers they would be happy to look in to it for you as they won’t want to pay out either.
If you go down that route then you should probably get some pictures of the muddy road etc beforehand.

That is life, unfortunately.
Ours cost £50 excess to replace screen, no charge for chips, and it does NOT affect your premium next year.

Pretty much yeah, problem?
It’s not my fault so why should I pay up?

Waaaaaaaaaahhhhhh!!!!! B B B B B But IT’S NOT FAIR! 😉

If you were going fast enough to get a chipped windscreen on a road that clearly had mud on it, I’d suggest you were going too fast for the conditions.

🙄
I had a windscreen completely destroyed by a stone thrown up by a van going in the opposite direction on a dark winter night. I was doing sixty, on a road with a sixty limit, in a Chevette. The stone would have been doing at least that, so 120mph. Common sense says he doesn’t have to be doing an excessive speed to have a large stone do significant damage, but you won’t let that get in the way of having a go at someone else’s imagined driving infraction, will you…

funny how you were driving, but its not your fault.

Care to explain how he could have avoided being hit by a stone thrown up by a car coming in the opposite direction?
I’m really looking forward to seeing how you imagine he might have been able to do it, without actually swerving into the oncoming car, or going off the other side of the road… 🙄

OP: ‘I’m here to complain that the mud you left on the road contained a stone which was propelled by another vehicle onto my windscreen, causing a chip.’

Farmer Palmer: ‘Prove it’

OP: ‘Er…’

Farmer Palmer: ‘Get orf moi land’

OP: ‘I shall complain vigorously about this on a website for middle aged mountain bikers!’