Definitely go with OEM if the insurance company is footing the bill.

As far as seeing pits and softness of MB glass, it is the manufacturer. The same glass is used on VWs, and I saw the same wear patterns on my 73 Beetle when I drove it daily.

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2009 ML350 (106K) - Family vehicle
2001 CLK430 Cabriolet (80K) - Wife's car
2005 BMW 645CI (138K) - My daily driver
2016 Mustang (32K) - Daughter's car