I went to Speedy Auto Glass and they fixed the chip under 'comprehensive' coverage of my TD insurance policy.
Upon inspection, the technician noticed a larger stone chip in the lower part of the windshield that would have developed in to a large line over time.
That was also fixed at no cost to me. They vacuumed the front of my X in the process, too.
Needless to say, I'm glad I took the time.