ouch, that sucks! i'm in colorado and cracked windshields are inevitable here, especially if you drive in the mountains a lot. a few weeks ago, my boyfriend and i were driving on a 2-lane highway (one lane each direction), and an enormous semi passed us going the other way. yep, you guessed it - we were showered with rocks, and one made a lovely dent in the windshield while a few others nicked the hood. thankfully the crack was tiny enough that our insurance covered it for free, although the repair shop didn't do the best job because it's cracking again :no:
on a somewhat related note, i bought my car (used of course) with a fat 2.5 foot crack on the windshield. that was a bear to replace, about $300 since corrado parts are so rare. i'll be glad to sell that sucker!