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.
Dependent Clauses A dependent clause (also called a subordinate clause) is a group of words that contains a subject and verb but does not express a complete thought. Therefore, a dependent clause cannot be a complete sentence on its own. Typically, a dependent clause is made dependent due to certain words or phrases that modify the sentence to be incomplete.