I wouldn't do any insurance with dealer. They mark up 100% from their cost and then will find ways not to honor coverage. It is up to them whether windshield should be replaced or crack is fixable (i.e. $20 fill it in fix) and you still have a crack. Just self insure and in the long run you'll come out ahead.
2008 M3 Vert 6MT l Sparkling Graphite l Black Leather l Carbon Leather
2007 335 Coupe 6MT l Montego Blue l Black Leather l Aluminum l 19" M6 Reps l Dinan
2009 Mini Cooper JCW l Chili Red l Black