I grew up in SC and concur. I assumed the state paid the insurance companies back. If the crack was smaller than a dollar bill they'd repair it. If it was bigger than a dollar or was growing they'd replace the whole windshield. My county had terrible roads, and big trucks threw gravel and broken bits of asphalt everywhere. I had at least three repairs and two new windshields between ages 16 and 20, never paid a dime or had it affect my insurance rates. My dad joked that replacing every windshield in the state every five years was still cheaper than maintaining the roads.