Shattered. Not the entire window; smash and grab - took a laptop bag and duffel bag. Wondering the cost, unsure if I should claim (GEICO, state of MA if it helps) or deal out of pocket (prob going to be costly...)
Haven't put an insurance claim in years - not clear on consequences, etc.
I don't know about the rear window. If the oem glass is special, such as having a "solar tint" or something like that, it might be best to specify oem glass. It will surely cost more.
We get lots of rock damage here in New Mexico. I had several repairs on my 2015 Volt, and then got a big chip right near the edge of the glass. I went to SafeLite. They said it couldn't be repaired, needed to be replaced. Apparently all their glass is cheap china-made. The Chevy dealer quoted me around $600 just for the oem glass, and then I would have to pay the labor for installation, which would be farmed out to a local glass shop, since the dealers don't do glass. I ended up getting a good enough repair on that edge crack; it lasted two years until I traded the car on my 2018 Volt (which got a rock crack within its first two weeks on the road!!)
I want oem glass because the Volt uses "special" glass that helps the car maintain cabin temps and (I assume) filter out at least some UV. I doubt that the $200 jobs use very good glass.
I've pretty much stopped putting in small insurance claims for things I can afford to pay myself. I learned the hard way that too many claims in a short timeframe causes your insurance to skyrocket. Use insurance to cover the big items only (total of a car). I actually keep a $30K emergency fund around for these types of things. When something happens, pay for it, replenish the emergency fund, move on. I no longer keep the optional insurance around - only the stuff that is required (liability and collision in my state).
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