I am noticing the glare formt he scratches on the Focus windshield at the moment, i think it's the low sun when I drive.
back in the UK we had an old car and once it got a chip and the repair guy said a repair is free, a whole new windhshileld is 50 quid deductable.
I went with a whole new screen and thought it was well worth it.
I just had a chip repaired on the Focus so asked about it, apparently the deductible for a replacemnt is $250

, my agent said if it needed it they could recommend local shops that would probably do it cheaper and not go through the insurance.