If you haven't secured your load and it breaks my wind shield, you're liable. I don't care what warning you may have written on your truck and neither does insurance nor the law (in the US at least).

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[–] 5 points 1 day ago* (last edited 16 hours ago)

They're just trying to minimize the damage to your car in case a human secured the load and it's got the slightest chance of coming loose.

It's not always just to thumb their nose at you in court.

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