Ok I have a ? for you guys, the other day I got a pretty good stone chip on the driver side rear fender flare

(no pic yet). I put a set of 285 75 R16 BFGoodrich All-Terrian T/A on the truck and they stick out past the fender to begin with, but I just hope this isn't something I have to look forward to. And wondered if anyone else has experienced this problem on or off road.