if you have comprehensive insurance, say your car was parked at the mall. when you came out the windsheild was cracked. you pay the deductible if you have one and your set. of course if you have a high deductible like $250+ then this doesn't work. mine is $100, so it works for me.

some states do require free windsheild replacement by insurance companies in that state. i know MA does, but NH doesn't.