Do you worry about rock chips on the roof?

No reported case here (at least from what I've seen); however, your insurance will easily cover it under comprehensive (deductible is usually less than collision) as the road debris would have to be airborne for that to happen.

 

I would be more worried about female drivers and passengers placing purses or other packages on the roof. I've had a few used cars with those telltale scratches and dents. Though, maybe the Smart Key system lessens that practice.

 

I can't see this happening unless a rock's falling off of a hill or an overpass.
To chip or crack the sunroof you'd need an impact that would dent and gouge a painted metal roof. Does that happen much? Not to me.

 

Not necessarily. Although rare, it's easy to imagine a scenario where a spinning road debris acts as a projectile and lands on the roof.

On my previous car, such a debris (that was spinning so fast I couldn't make it out) got kicked up from the car in front and went under to pierce the gas tank, then bounced off again to hit the hood of the car behind me. It could've been higher to hit the windshield, roof, etc. My insurance adjuster told me that road debris is actually rather common and they'll treat it as a comprehensive claim if it was airborne at the time of impact (as opposed to the more expensive collision claim if it were lying still on the road as they'll reason you could have swerved to avoid it).

 

But they're at a much shallower angle and that's significant. Unless the projectile is on a descending arc I don't see it as very likely.

 

No, but your car can strike it horizontally traveling 65+ mph with the rock chip at any given point (up, down, ascending arc, descending arc, etc.)

 

Good move. Save the car at all costs

 

Just watch out for situations like this:

 

That could certainly put a dent in the roof

 

I wonder if the guy on the left is looking for his car?