I had to replace a windshield twice in one week. (I have to stop fallowing those rock haulers) both times the windshield was replaced with no deductable, next day, and it wasn't really a "claim" under my policy since they said that it can just happen an there isn't anything you could have done to prevent it. My rates never went up. But it all depends on your insurance policy. Just call your agent and find out all the details.