Just filed a glass claim

[Owen Lucas]

No-only if the policies are not clear. Most are. They do not have to use OEM parts-"to make you whole". As an adjuster-you should know this. You can pay the difference. You are not going to get far with the Department of Insurance (in most cases) -with stating the fact you do not like "the language" on your policy-which you should have read BTW.

Not for the insurance cos I've worked with. One of them all you had to do was complain to the supervisor and he folded like wet rag an approved OEM, OEM everything!

Another co would make you you jump through hoops but when you came with the policy language that said "pre-loss" or when "like-kind-and quality" doesn't live up to its name i.e. different glass thickness, stippling, no emblem, argue the point enough and you get OEM. Most people don't argue this and are suckered into a Cadillac built with bottom of the barrel "CAPA" certified Chinesium fenders that fit like fit so poorly the mounting holes have to be reamed and mounting points shimmed. Imagine one fender weights 15 lbs and the the other 11. What happened to crash protection, e-coat, and what kind of metal is it made out of?

I've heard from some shops that Progressive is very brutal about their AM policy and will charge the customer, i.e. just pay for AM. The body shop will end up installing the AM parts, having the car wait for the adjuster with said AM parts installed, wait for them to make a decision in a few days, and stick the customer with the bill. Pictures are taken and the customer submits them to the DOI, stating the ins co denied OEM. They have the proof and Progressive is pushed into a corner, no defense for deny parts, and they end up paying. Sometimes Keystone won't even take the parts back that were installed on the vehicle as with plastic bumpers. The cheap tabs on some of these AM bumpers are basically one time use.

It's the classic Delay, Deny, Defend insurance stall tactic. Customers in wealthy areas just pay the shop outright for the difference. Some customers drag out the situation on principal and run out of rental. Some dealers, such as Chrysler and Hyundai/KIA might even take a hit on parts profit because there is so much margin on these parts that the writer can often cover OEM parts for slightly above cost at AM prices just to avoid the hassle of it all.

Don't they have different part numbers for the HUD and non-HUD windshields?

Sure, and aftermarket will say theirs is compatible until the customer comes back with a blurry HUD. AM companies are about selling their product, they don't care what happens later, it's a numbers game unfortuantely.