A kicked up rock on 301 chipped my windshield. Last broken windshield was 20 years ago. Fortunately, in the great state of Florida, windshields are covered, free to the car owner, for one replacement per year. I;m in the office calling up the windshield company when my secretary yells out to hang up. Asks what happens if next week a rock cracks the windshield instead of chipping it. I would have used my "one" annual windshield replacement. This explains why there are so many broken windshields in a state where windshield replacement is mandatory coverage.
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