In one year we had 3 new windshields - one on one car, two on the other replaced. In all cases I insisted on OEM replacements which the insurance covered 100% (1 on Mercedes, 2 on a Mini). The damage always was caused by rocks kicked up on Interstate 75 or 10, not local roads.
When I renewed my insurance I was surprised to find that Progressive called out these 3 events and added $50.00 to my semi-annual premium. I did not dispute this (just lazy) so I'm not sure if they can be successfully challenged.
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