Originally Posted by GolfNut
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.
Good point... My current insurance covers chips/cracks smaller than the size of a quarter to be filled for free on my current car ('02 Civic). i don't suspect it should be any different for a BMW.
I'm worried about having to replace the windshield completely. But that's probably not covered anyway. And really, I probably will never have to have the windshield replaced.