Sucks... I have had issues with things on the road in my last 2 cars.
1. One time a guy who bought a chair at a yard sale decided not to tie down the chair in his truck. Chair ends up in middle of road. Destroys my front bumper.
2. Piece of plywood on road... Guy in front of me runs over it, and it slams into my hood and bumber. New head light and bumper/hood paint repair.
3. Mud Flap flys off truck on I-70. No damage to car, but scared the crap out of me.
Things like these are unavoidable. Comprehensive insurance will cover your costs. Usually a small deductible, and not your fault, so rates won't go up.