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.
Example: (topic sentence) -A grandfather is a very special person who has all of the good characteristics of a father but none of the faults. Example: (concluding sentence) -He will go to any length to plan special family gatherings at which grandfather is truly a grandfather.