Stone chips in a windshield can be repaired in most cases. As a rule of thumb, if you can cover the damaged area with a quarter, it should be repairable. Most insurance companies will reimburse you for the cost of windshield repair under the comprehensive portion of their coverage. This normally includes waiving your deductible.
The repair process involves injecting a clear acrylic resin into the fracture. The resin bonds the glass back together and hides a large amount of the visible damage. It typically takes only 15-30 minutes and comes with a lifetime satisfaction guarantee.