yeah, scratches vs cracks, . . cracks are pretty standard replacements under comprehensive, with additional payment for custom windshields. . custom meaning any source which is not the insurance company minimum. . I had a crack last winter driving home either a rock or a temperature issue, and went with a Ford windshield instead of the commodity windshield, and had to pay the difference.
Not sure I would expect windshield scratches to get a free windshield, especially if it's caused by the wipers. . I don't expect free unless the scenario is explicitly covered in the policy.
YPMV
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