Glass Coverage!?!?!?

So I have a chip in my windshield…I called my insurance company to see if I had glass coverage…the rep stated that I have a $500 comp deductible…I know this…I heard from someone in the insurance industry that if the chip/crack is smaller that a dollar bill that the duductible would be waiver…also I live in central Texas and everytime I got to get my truck to be washed they always offer for my chip to be fixed for free…I have declined for fear that I would get a bill for $500 for a chipped windsheild…I also I take claims for a living for a big insurance company…but I dont work in the glass dept…that is out of a different office in CT…Help