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Soo i've had my M3 for like 2 weeks and just got a chip/crack on my windshield this morning

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I wouldn’t file a claim for a rock chip on the windshield. Perhaps if the damage is expanding to a point where you would need to replace the windshield. Otherwise, I would just take it to Safelite, have them repair the minor damage, and eat the relatively low cost. Save the claim for more extensive repairs.
 
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I wouldn’t file a claim for a rock chip on the windshield. Perhaps if the damage is expanding to a point where you would need to replace the windshield. Otherwise, I would just take it to Safelite, have them repair the minor damage, and eat the relatively low cost. Save the claim for more extensive repairs.
I guess that depends on your insurance. Literally every insurance I've had was 0-fault, no deductible glass repairs. They don't count against you.

Full on-cracks that are 6" or so are a different story, though - YMMV.