A $500 deductible does not sound right because these are covered under the comprehensive portion of an insurance policy which are zero from any self respected company.

If you use their company it should even be more so, as they got their deals working in the back rooms! They are in accident liability coverage and they charge gravel trucks for this kind of complaint.

Cracks can start from a rock thrown from a passing truck in the opposite lane. There was no way to get the number of that truck.

Insurance companies charge both parties in reality. Like having insurance on your occupants even though they "now will have national health care" but you might end up getting sued by everybody who has have to have insurance to be on the road to begin with. Then there is accidental death/dis memberment or life coverages.

Do not feel bad about getting them to fix the darn thing!
Besides I think those glass repairs only work on special stone chips as they only fill the divot to keep water from getting into the clear goo that is between the two layers and remove the refraction of it. Cracks are like a vein and will spread as the expansion rates of the now two pieces are of different mass amounts.

Phil