Standard Protection and Windshield?

I rented a Sprinter Van from Turo and a rock flew up while I was on the highway and cracked the windshield. I opted for the Standard Protection ($500 deductible). Will this genuinely be $500 or should I try to get this repaired myself with Safelite? I don't want this on my own insurance, plus my own car insurance sucks. I'm really unclear on the Turo Standard Protection. It seems to say it won't cover anything and it goes through my own car insurance first. I'm so confused.

Anyone help me out with what is best to do here? I'm waiting for the Turo owner to get back to me. He hasn't responded yet.