LEXINGTON, Ky. (LEX 18) — If you’ve been driving for long enough, it’s likely happened to you at least once. A car in front of you kicks up a rock at a high speed and it takes aim at your windshield.

IGA leaders say a proposed legislative model could reshape auto glass claims — and not in favor of independents.

Most drivers know their vehicle insurance policy comes into play after a road-going calamity with another car – that is, if they ever think about insurance at all. But what if something less dire (but ...