Comprehensive car insurance protects your vehicle from events other than collisions with another car or object. It's sometimes referred to as "other than collision" coverage. Here's a breakdown of what it typically covers:

• Glass breakage: This can include damage to your windshield, windows, or sunroof.

• Theft: If your car is stolen, comprehensive coverage will help pay to replace it or reimburse you for its actual cash value.

• Vandalism: If someone damages your car with vandalism, comprehensive coverage will cover the repairs.

• Weather: This includes damage from hail, storms, floods, and falling objects (like trees or branches).

Most insurance companies will cover rockchip repairs at no cost to you. All you need is comprehensive coverage on your policy and most insurance companies will waive the deductible on your policy. 

A windshield repair glass claim is considered to be a no-fault claim.  You have no control over rocks or debris flying and hitting your windshield, that is why this damage is covered under your comprehensive coverage and not collision or liability-only. 

Filing a glass claim for a rock chip repair usually does not raise your insurance premium. Here's some more info:

• Generally insurer-dependent: Different insurance companies have varying policies on how they handle glass claims. Some might be more lenient with a single repair, while others might view any claim as a sign of riskier driving.

• Favorable repairs: Windshield repairs are typically much cheaper than replacements, and insurers often prefer them. This can make them less likely to penalize you for the claim.

• No-fault claims: In Utah, windshield repairs are typically classified as "no-fault" claims, meaning they shouldn't impact your rates as much as claims where you were found to be at fault in an accident. 

Here are some things to consider:

• Frequency of claims: Multiple glass claims within a short period can raise a red flag for insurers, potentially leading to a premium increase.

• Contact your agent: Talk to your insurance agent about their policy on glass claims and how it might affect your specific situation.