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.
The grandfather clause as it exists today allows an individual to be exempt from a new law if he falls under an old law. The grandfather clause was originally created as a means to keep black individuals from voting. However, this did not last long as the state of Oklahoma's constitution came under scrutiny by the U.S. Supreme Court in two separate cases.