Hawkeye you may want to check with your insurance company as to how your coverage works, But I know here in PA if you do not carry the Comprehensive coverage (and it's really cheap here) on your vehicle and let say you hit a deer you may find you have no coverage to repair it and it covers all glass. I had a Subaru wagon years ago that got vandalize while broke down along the road, they broke some of the glass out. Well ever since that ordeal I carry the comprehensive coverage on all my vehicles. They told me that lucky I had the coverage or they would not of covered any of damage! So I would just take few minutes and call your insurance company and check it out!