It was nothing new that a rock hit my windshield because rocks hit my windshield all the time here. What is that? During my decade of driving back east, I cannot recall a rock ever hitting my windshield, and if one did, it definitely never caused any damage. But here in the Valley, every time I get on the freeway it feels like my car is getting pelted in a hailstorm of flying freeway debris. My only defense is the hope that none leave a mark. Is there a scientific explanation for this? The fact that people drive like lunatics here has to be at least partially responsible. The rock that hit my windshield probably came from a massive pickup truck carrying rocks that was supposed to be going 65 but was instead doing 90 so it could get to the gun show on time. I am not bitter.
I knew from the sound of it hitting my windshield that this rock wasn’t like the others. This was a keeper. The crack mark was instant, and witnessing this happen really added some good vibes to my Monday morning commute to work. Still, I thought, no biggie. I’ll just call the insurance company.
You see, I am a smart person. Probably as a result of getting pelted with highways rocks during my very first Valley drive, I was sure to get comprehensive coverage on our auto insurance plan upon moving here. The insurance rep affirmed this … and also that I had a $500 deductible, meaning that I might as well not have insurance because I will have to pay for this out of pocket. I am an idiot.
BUT WAIT! Insurance will waive the deductible if the mark is a chip no bigger than a dollar bill. (I don’t know why she used “dollar bill” as a point of reference. How is a dollar bill in any way a shape that corresponds to the mark a rock leaves on your windshield? Yes, ma’am, the mark is a perfect rectangle with what appears to be George Washington’s likeness. It’s possible I misheard—maybe she said silver dollar—but I don’t think so.) So I was like, yeah, it’s not that bi—and I stopped myself because when I went to double-check, the crack had spread all the way across to the middle of the windshield.
So I had to have my entire windshield replaced and pay almost $300, which was not inconvenient at all. I immediately called the insurance company to upgrade my comprehensive coverage to a $0 deductible, and I recommend you do the same, which you probably have already done, because you are not stupid. The end.