Had a similar run-in myself with windshield cracks. Thought insurance would cover it, but nope... apparently tiny chips that grow over time count as "...

Yeah, usually that's true, but honestly I've found some policies to be annoyingly vague even in the exclusions section. I had one a while back that ma...

I'd say sooner is better than later. Had something similar happen last year—waited a few days thinking it wasn't urgent, but my insurance rep mentione...