Unfortunately, you're right.
I can't find one story I wanted to share, a cancer patient was on his/her way to begin getting chemotherapy, a truck driving opposite hits the median, a chunk of concrete flies through the windshield decapitating the cancer patient. Some Final Destination shit right there!
This guy was killed by a mud basketball flying in his car http://abclocal.go.com/wls/story?section=news/local&id=7283775
And this story is just weird-passenger gets decapitated, and the dude just drives home and goes to sleep. http://www.abovetopsecret.com/forum/thread84611/pg1
Edit: Last story doesn't involve debris, still strange