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if it was an unsecured load that you saw fall off of a vehicle, and can track the vehicle they would be held responsible.........if you hit something that was in the road way most times that is considered collision coverage under your policy.....now here's where it gets sticky........if an object comes from another place (or vehicle) and strikes your vehicle BEFORE hitting the ground it will be covered under the peril of ''falling object'' under the comprehensive coverage.....if it hits the ground then your vehicle is usually collision coverage as i previously stated......if you are saying you ran over a part from another vehicle that was just in the road, like large tire pieces from a semi, leaf spring etc.....that was just there.........it would again be covered under your collision coverage.....and yes your deductible would apply, now whether on not that is considered 'a chargeable accident' thus counting against you rate wise, you need to talk to the policy services dept of your insurance company, or ask your adjuster....really depends if you saw it come off, and what it was.......and can track the owner...........hope this helps, i know it's confussing.....

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Q: If you run over something in a roadway from another vehicle who is at fault?
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