u/No-Presence6905

Hey everyone,

The front passenger door glass on my leased 2025.5 Volvo XC90 Hybrid chipped and has now fully cracked. Because it is the thicker, acoustic laminated glass, a full replacement will likely be expensive.

I have the Volvo Excess Wear and Tear Use Addendum ($0 deductible plan), but the fine print (Exclusion #1) states it excludes damage covered by standard auto insurance unless the total repair cost is under $1,000.
I want to know:

1. Has anyone gotten a full laminated side-window replacement waived under this package? Or did Volvo deny it because it cost over $1,000?
2. How much did you pay out-of-pocket or via insurance for this specific glass?
3. What other options should I explore? Should I file an insurance claim now, source a used OEM window from a salvage yard for an indie shop to install, or is there another workaround to avoid a massive bill at turn-in?

Appreciate any advice or past experiences!