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.
Explanation: Literacy tests and poll taxes were common tactics used in southern states to suppress voting by African-Americans. Grandfather clauses were enacted as a way of allowing poor, uneducated, white southerners to vote despite the tests and taxes, based on their grandfathers voting history.