If you've been in a crash and suffered a broken window, your insurance company likely covered the repair, and you had no part in how it happened. However, not all broken windows are the result of a traffic accident. Unfortunately, there can be vandalism which results in a broken window, road debris can cause a chip or crack whether it expands or not, or in some cases, if the weather is just right a window can crack on a hot day. In each of these situations, it becomes a safety issue to have the windshield repaired. Even if your insurance does cover the repair, you may decide it's better to pay out of pocket rather than use the insurance company.
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