stuck between Geico and Progressive in NY, thoughts?

Honestly, I’ve had the same headache with the OEM vs aftermarket parts. I drive a German sedan, and the last thing I want is some no-name mirror slapped on after a fender bender. I always wonder - has anyone actually had an insurer in NY cover OEM parts without tacking on a big premium? I get that aftermarket is cheaper, but with the tech in newer cars, it feels like a gamble.

Also, has anyone figured out if either Geico or Progressive is better when it comes to glass replacement? I’ve heard mixed things about how they handle recalibrating sensors and cameras after a windshield swap. It's wild how those details get buried in the policy. Do you guys ask about rental coverage limits too, or is that just my paranoia talking?

Rental coverage limits are definitely on my radar too, especially after getting stuck with a compact for a week when my SUV was in the shop. Has anyone actually had their sensors messed up after a glass replacement? I keep hearing horror stories about lane assist not working right after.

Has anyone actually had their sensors messed up after a glass replacement? I keep hearing horror stories about lane assist not working right after.

You’re not crazy for worrying about that. My buddy had his windshield replaced and the lane assist was totally off for weeks. Dealer said it needed recalibration, which wasn’t covered by insurance - total pain. Honestly, you’re smart to be thinking about this stuff now. Don’t let anyone tell you it’s just paranoia. These “little” issues can turn into big headaches fast, especially with all the tech in cars now.

- Had a similar issue after a windshield swap - my adaptive cruise went haywire until I got it recalibrated.
- Insurance (Progressive, in my case) only covered the glass, not the sensor work.
- Geico quoted me less for glass but their policy language was vague about sensor recalibration.
- Anyone actually get full coverage for both from either company? Or is it always a separate hassle?
- Wondering if it’s worth paying extra for OEM glass to avoid these tech headaches...

I had Geico for a while in NY - total pain trying to get them to explain what’s covered. They kept dodging the calibration question, just like you said. Ended up paying out of pocket for sensor work anyway. Honestly, OEM glass is pricey but might save you a headache down the road... especially with all these sensors glued everywhere now.