Don’t have windshield insurance. All the quotes I’ve gotten are to replace it be fix. Is there any issues with leaving it or other alternatives?
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Not immediately, but it’ll spread and grow across the entire windshield. You may find someone that’s still willing to repair that, but it’s not the recommended thing (anything larger than a quarter or 10cm in spread is considered unsuitable for repair, for safety reasons).
Had one of those suckers on my previous car from a pebble on a highway. It grew… only option I had was to replace the entire thing.
So… no big issues, but It’ll grow, become more fragile (especially against hail) and eventually will need replacement.