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If it's over a certain size, your insurance may cover a new windshield. Also, depending on what caused the rock to fly up (i.e. loose gravel), you might be able to get the town or county to pay for it.
Most insurance policies cover rock chip repairs 100%,and most will cover the replacement of a windshield also for free.Check your policy.A county or city will not cover the repair and good luck getting the other persons insurance to also.3 rock chips in a windshield or a crack up to a certain length is considered non-repairable.
Usually if it is a small chip and looks like it is reparable, the Ins. Co. will just pay for a "chip repair" first.... but if it does not work and it spreads, then they should pay for a new windshield........As was said, check your policy.
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