Originally Posted by bocastephen

Since I figured a crack in the windshield would nail me for at least that amount, if not more - and since Amex only covers up to my $500 deductible, I might be on the hook for the difference out of my own pocket or risk higher premiums by doing a claim with my insurance company.

I guess it's possible things could still go that route, but scratch is repaired now and invisible unless you know exactly where to look.