I have a windshield guy since I own several vehicles without glass coverage. He says insurance will always replace if chip is in line if sight. That being said, my son had horrible experience with Safelight. He was living out if state and his insurance covered replacement. Safelight came to his work and put in windshield. When done the guy said, "yah, that trim on the top will probably fall off. If it does call me" . It fell off on the way home. Come to find out, the trim must go in as the window is glued in. So it had to go the shop and the window was changed again, obviously destroying the glass. The trim fell off the next day, again. He gave up.