Yep, most insurance companies pay for the repair vs laying out for a new glass, and you paying a deductible. And at least ours,(St.Farm),goes even further. If the chip is in the field of view of the driver, the area the wiper covers as it sweeps, it's an instant replacement. And no charge. And before you ask, we have $500 deductible on both collision and comprehensive damages.
They're take on it, a repair no matter how good can leave a small distortion in the glass, and that spot is a magnet for your eyes. You subconsciously are looking at that spot all the time. And not at the road and what's going on in front of you.
And the windshield in any vehicle with an airbag, is part of the restraint system. It's designed to control the airbag's deployment. A damaged windshield can't do that. It will explode when the bag hits it, rather then contain it. Leaving you to eat the steering wheel, and the insurance company to pay big time medical bills.
Insurance companies exist to make money, not spend it. They know it's cheaper in the long run to replace a windshield then to pay out medical bills.
Make the call.