In La. any reputable insurance co. will cover that fix if you carry any amount of comprehensive insurance. (at no cost) Take the car to an auto glass shop and they contact your insurance co. and you give the details of the chip(when and where and policy no.)The co. okays the repair and pays the repair shop. Many times you can't find where the chip or short crack was. There are some repair vans that do this at your house. I hope that this helps.