You should have full glass coverage with your insurance. I had to replace a windshield with Geico and it was aftermarket. No big deal, not even noticed.
If they can buy it based on what they can buy it at auction they will. They aren’t going to overpay for it either though. Having a cracked windshield will lower its value. Just having 15000 miles alone helps it’s cause, but they aren’t going to give top dollar either knowing they will have to pay to repair it.
Reach out to your insurance company and see if anything is waived or covered for using a specific company etc for replacement. Either way as long as the windshield is replaced with the same oem specs no one will say anything, nor will they notice.
The windshield is covered by the VW excess wear protection. Tires were just barely above recommended also but they would have been covered too if I needed to replace them.
I pay nothing. Car will get returned without any work done to it.
We paid a very discounted rate on that excess wear coverage so it paid for itself.
The inspector said windshield damage charge is $350 per VW so in that case I would have probably just paid that anyway.