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OP, ask your agent or claims adjuster to show you in the policy where they can force you to use aftermarket non-OEM parts and where is says they can limit the payment to what they determine is reasonable.

Unfortunately, this kind of issue is exasperated when you buy insurance direct from a company or captive agent. You do not have an advocate unless you hire an attorney. Unfortunately, this is not big enough to justify hiring an attorney.

Good luck!

G26ster wrote: ↑Wed Oct 10, 2018 4:13 pm

DocV wrote: ↑Wed Oct 10, 2018 3:44 pm
I have been a USAA member for almost 50 years. I don't recall they ever covered any windshield repairs.

I've been with USAA for 52 years. here's a quote from the website re: windshield repair and auto glass repair/replacement:

Your windshield and auto glass are covered under comprehensive coverage. Your deductible doesn't apply when your windshield is repaired, which is why USAA promotes windshield repair when and where possible.

The following states have specific coverage and deductibles: AZ, CT, FL, KY, MA, MN, NY and SC. Please review your policy for further details.

The claims department determines whether repair is possible and if the deductible will apply for glass replacement at the time a claim is reported.

Keep in mind, there is a difference between "repair" and "replacement" when it comes to glass coverage. What you quoted tells me if they are able to repair a chip or crack, the deductible doesn't apply. If they have to teplace the windshield, the deductible does apply.