So we just had a hail storm in Colorado Springs and my windshield got hit by a grapefruit sized ice ball. This is my first time in ten years with USAA making a claim and I have a $500 deductible. So what difference is it making if the windshield repair is $220 if I pay out of pocket or claim it through insurance if either way I m paying $220? Lets say I make a claim a week from now for a $1500 repair, will I only pay $280 and insurance covers rest? If that is the case, how long till the deductible resets? Every time the policy renews?