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I live in a glass coverage state... FL..
I drive early AM and get lots of rocks left over from trucks on the highway... I had 7 glass claims with my insurance over the past 5 years - 6 minor chip repairs at $50-75 a pop, one full windshield. Hardly a major deal for them given my premium amount !
They can't raise your rate by law, but they sure can drop you at renewal time ;-) Ask me how I know..
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