Windshield OEM BMW or OEM Hyundai

Hi. I purchased windshield replacement protection (insurance) for my 2018 x1 through my local BMW dealer. The windshield got a chip and the dealership patched the chip saying the windshield did not need to be replaced. The window then cracked all the way across a few months later and my claim was denied because the windshield was already chipped. Annoying to say the least, that I bought windshield protection but am not allowed to use it to replace my cracked windshield and had to pay full price for a new windshield. Needless to say I won't buy the add on protection services again.