I have a BMW OE Comfort Windshield and I took a rock in it on the highway recently. The glass needs to be replaced so I filed a claim with my Insurance carrier (GEICO). I made them aware that it was special windshield so I gave them the BMW Part number so they could cross reference the number. I told them would accept an OE Equivalent which what most carriers will only install. The replacement cost from BMW is $962.
The installer comes to my home to install it but the glass is not an OE Equivalent "Comfort Windshield", in fact it has no UV screening at all except a green band at the top. I told him I did not want it. So, I get a call from the glass company and they tell me that they cannot get an OE Equivalent (aftermarket) windshield and will have to call my insurance company because they will have to order the windshield from BMW. I then receive another call from the glass company that the insurance carrier will only pay 486 of the 962 cost and the balance will have to come out of my pocket. I have full comprehensive coverage and in MA glass is 100% covered with no deductible.
My question is; if the insurance companies glass installer cannot provide what they term as “an OEM Equivalent” replacement windshield to replace my Comfort Windshield and they have to order the glass from BMW, why should I be required to pay the difference?
