Well you do have a cheapass insurance company, but if the other driver is at fault, it shouldn't matter, because your insurance doesn't pay, the other guy's insurance pays. Your insurance co should have a list of authorized repair centers, so go to one and have them do the work. Tell them you insist on OEM parts.
grandfather clause. n. 1) a clause in a statute or zoning ordinance (particularly a city ordinance) which permits the operator of a business or a land owner to be exempt from restrictions on use if the business or property continues to be used as it was when the law was adopted.
Grammar Handbook: Restrictive and Nonrestrictive Clauses. A modifying clause can be either restrictive or nonrestrictive. Restrictive Clause. A restrictive modifying clause (or essential clause) is an adjective clause that is essential to the meaning of a sentence because it limits the thing it refers to. The meaning of the sentence would change if the clause were deleted. Because restrictive clauses are essential, they are not set off by commas.