The type of damage described is caused by a wiper blade going bad - the rubber portion actually comes off or moves enough so that the metal arm is in contact with the windshield - and then continuing to run the wipers even though they are scratching a groove in the glass. This is not accidental, and the root cause is a combination of a blade going bad AND the end user continuing to use the wipers.
Why would insurance pay for this in any way?
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