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.
In English grammar, a dependent clause is a group of words that has both a subject and a verb but (unlike an independent clause) cannot stand alone as a sentence. Also known as a subordinate clause. Dependent clauses include adverb clauses, adjective clauses, and noun clauses. Although exceptions can be found, a dependent clause at the beginning of a sentence is usually followed by a comma (as in this sentence).