Mjkkb2 wrote:You can go with insurance and choose your own preferred installer. It is illegal in most if not all states for insurance to dictate a repair facility. They will most likely no pay for the OEM glass, since most coverage contracts are written that an automobile will be repaired with OEM or equivalent parts. Equivalent being the key term here. Read your policy documents to be sure. I think one can make a case for oem part but it's up to the insurance and their goodwill.
I get my glass damaged every few years between my two cars. Which is why I have a separate glass coverage with $50 deductible - it pays for itself.
as it stands, I have a $500 deductible, which is right around the cost of the aftermarket glass, recommended by the dealer. So my insurance claim would likely go like this:
File claim
Request OEM glass
Denied, told to go to Safelite for "equivalent"
Pay $500, insurance covers $50, if that.
Insurance goes up.
Or
Pay it myself.