Sunroof glass broken, go through insurance or out of pocket?
A pine cone fell in front of my house and broke the moonroof glass of my car. I have AAA insurance and my deductible for glass replacement is $1k. The glass costs around $1k from the dealer. I got a quote from a glass replacement shop for $1.1k to do the job out of pocket. I could buy it used on eBay for $300 and have a local shop install it for around $300 labor. After talking to a few glass shops, they don’t make a generic brand sunroof glass. Since the replacement cost is around the same as my deductible should i just go through my insurance to avoid any hassles or is there is a risk my premium will go up?