Haven't looked but I REALLY hope the rental insurance doesn't cover bridge strikes.
Not really. Its the rental companies that should be wearing the pain.
They rent out these trucks to amatures that are really only experienced in cars and then take no active measures to protect their assets.
Rental insurance is a rort, and the companies make a fortune each time one of their customers stuffs up.
Force the truck owner to take active protection.
Most cars these days have collision warning and auto stopping, its not hard. These car/trucks should be no different.