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when that occurs, bettors have the full amount of the wager returned to them. " (1) the favorite covers the spread: bettors win choosing the favorite when the favorite wins by a margin greater than the point spread. (2) the underdog covers the spread: bettors win choosing the underdog when the underdog wins outright or the underdog loses by a margin less than the point spread. lines and prices are not static - they will move in response to betting action, injuries, weather reports, and other factors that impact play on the field. this is because chicago won by 3, when the bears needed to win by 4 in order to cover the spread.