No glass coverage now, but had glass coverage when damage occurred
Last summer (about 10 months ago), I had a small rock chip my windshield while driving on the highway. I was under my parents' car insurance at the time, but put off getting it fixed due to work. Over the next 10 months, the small chip has grown into a large crack, and I need to get my windshield replaced. I moved states and had to get my own insurance in November, and unfortunately glass wasn't covered by my policy until recently. Right now, it seems like my only option is to pay out of pocket, which is a big hit to my savings. Is there any way I use my old coverage (my parents', that I had at the time of the incident) in order to cover this? Or is paying out of pocket my only option? No judgement please, I'm young and living on my own for the first time :)