our ins. will send someone out to repair the chip/star/crack with NO out of pocket $$$. If the crack still spreads then we would have to pay the deductible to have the thing replaced. So far all is good in our windsheildland!! only a few/many pits!!
ps. on all the crack repairs we have had done in the past on other vehicles it was hard to tell where the problem was when they finished (except on a huge one 2"star with a 6' crack!, but it never spread after the fix). This was the cheaper way for us to go as we had a $500 deductible back then!