Don't you just love those dump trucks on the road that say "Not Responsible For Broken Windshields"? Uhhh, yeah, you're not responsible for using a public highway and slinging sh*t all over it because your load is not properly secured? That sign on your truck magically protects you from liability? I wonder though if anyone has ever successfully made them pay for a windshield. It'd probably be a he-said/she-said deal.
I have a small chip in mine now. So far it has not spread, but I imagine it will. I'm just reluctant to have the windshield replaced unless it becomes a bigger problem.