Rock chip on loaner car's windshield?

A dealership loaned me a Ford for five days for free and said my insurance would cover it while they repair my car.

On day 2, there's a cloudy chip smaller than a quarter in the windshield with something black in the center. Two tiny lines come out of that chip going in separate directions.

The entire damage is the size of a quarter at most.

I'm baffled… I never heard a pop sound, so it could have happened while i was parked at work. I also can't remember if its been there the entire time and I may just now being seeing it. Never saw a chip filled with resin so I don't know if this is a filled chip. Would it look like that if it were filled?

They wouldn t loan out a car with a chip in the glass right?

I have a $500 deductible with insurance. How do i approach this conversation with the dealership. Not sure if this happened in my possession or if its been there. I would love if its just a chip fill to not get my insurance involved.

You will be liable for it under your insurance deductible if you don't have zero deductible glass coverage, assuming you opted to not take the extra rental car coverage. Been there and had it happen to me before, the zero glass saved me.

If it were me, I would get it fixed for $75 with a quick chip repair and turn the rental unit in without a word said about it.

Windshield chips are 100% covered as a road hazard under almost every comprehensive insurance policy. You probably won't have to pay a deductible either under your policy or the dealers. Since it's not due to negligence there's no reason not to claim under your insurance. I've had 3 windshields replaced over the years with no effect on my insurance.