As a partiallly satisfactory update, I checked online with GEICO who has my comprehensive policy, and they said that if the crack is less than 6 inches, they'll send someone over to repair it and no deductible will apply. If larger than 6 in., they'll replace the winsdhield, but deducitlbe applies ...It seems like they did a good job, you have to look closely to see the crack. Guy came next day at my work, to make it easy. He says crack might have been due to a small object that hit side of windshield, but more likely was caused by windshield 'bending' naturally.