By law Minnesota companies have to have full glass coverage. I guess it's to encourage people not to drive around with cracked glass. In fact, I believe it is not legal to have a cracked windshield at all, but I'm not sure how strict they are about this if it's a small one out of your field of view. In fact, I don't think they're strict at all, not with the major cracks I've seen in some windshields. I had even heard somewhere that the insurance companies will replace your glass if you argue it's just so old that it's not safe due to microscopic pits obscuring your vision (I'm tempted with my one car...). Anyways, you might check you state policies on this, especially as regards to insurance.
I had a small crack in the corner of a windshield. I had it "repaired" but it grew and my insurance company paid up with no complaint. Later on a crack reappeared in the same spot, but this time I knew it was due to rust so I paid up myself (after brazing in a new strip of metal on the windshield frame).
I've heard the things about insurance companies holding any claim against you, even if you're totally blameless. If I had a $200 deductible and a $250 repair then I'd probably not report it, but since there is full glass coverage here then that was too big to miss. Anyways, I think they're used to it here for glass.