I drove up to Seattle over Christmas--I had a small ding from a rock that had been there forever. The entire time I was there I was very careful about turning the defroster on too hot as it was below freezing outside. On the last day however, I forgot all about it and had the defroster on high--then CRACK!!! I was so pissed at myself. Here, there is no such law unfortunately. My insurance deductable is 250.00 comprehensive and 500.00 collision. The insurance co. would have to send someone out to look at the car, hear my story then determine which deductable to use. As the windsheild is 360.00 (pilkington) it hardly seems worth the trouble, let alone having a claim on my insurance. Sigh...