We have the standard 4k you pay for when you get your marbete. We were driving recently when the hood disengaged from the lock and slammed into our windshield. We fixed the lock but our windshield is cracked, still drive-able though. Should we bother going through the insurance or should we just pay out of pocket? I am guessing a new shield would be around $300-400 but we would rather hang onto that money if we can. Also, are there any reliable chain glass repair guys on the island?