Sorry to hear about some degen doing that to you. (Had it happen 3 times in Hawaii and once when we lived in rat hole Seattle) Didn't your alarm go off?

USAA is awesome, we have had them for almost 20 years. They'll ask you to use a preferred installer vs the dealer but ultimately it's up to you.

I say go to the dealer as they will replace it with a genuine BMW part vs aftermarket glass and they should know how to get it done right rather than some guy from safelite who replaces windows in Mazdas and Chevys.

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2010 X5 3.0 X-drive Titanium Silver/Black
2018 Ford F-150 Platinum Crew
2010 528xi (His)
2017 M2 Manual (His)

Former Headaches:
2008 X5 RIP
2015 M235
2013 135is
2009 535xi Wagon (JUNK)
2007 530xi 6spd CPO Sport (Best Damn Car EVER)
2011 335xi M-sport Coupe 6spd (Sex on Wheels)
2010 550GT "CPO" (Junk)
2012 X5 35d "CPO" (More Junk)
2004 330i ZHP Sedan
2002 325xi Wagon
2000 323i Sedan
1998 M3 Sedan
1992 325i Sedan