Is that unless you have some sort of exceptionally crappy policy, you can have the windshield replaced under your insurance. Let's face it, it's damaged, right? At night you can hardly see because of the refraction cause by oncoming lights, right? Do the math, does your carrier want you to be driving blind? Probably not. Read the glass coverage section, sometimes there isn't even a deduction for glass. If you still have a situation...get a big rock....;-)