I don't know how it works outside of Texas, but here...
Insurance can't
cancel you or
raise your premium for no-fault, comprehensive claims such as broken windshields, but they
can and
will raise your deductible if you exceed a certain number of claims within a certain period - typically 3 in a 3-year period. Too many claims and you'll effectively have no coverage because they'll raise the deductible higher than the price of a new windshield.
Insurance won't pay for original equipment windshields unless a model is so new or unique that no aftermarket options exist. OEM windshields are typically about twice the price of an aftermarket windshield. The quality of aftermarket windshields varies from minimum-legal to similar-to-OEM. Aftermarket manufacturers such as Carlite, Pilkington, PPG, and others make OEM glass, but it is made to different specifications. In other words, a Honda OEM windshield made by Pilkington will NOT be the same as a Pilkington windshield sold for that application in the aftermarket. There may be a few exceptions, but generally speaking, OEM glass is typically a bit thicker than aftermarket replacements.
Personally, my OCD requires me to have the manufacturer's logo on replacement glass. I gladly pay the difference between OEM glass and the aftermarket glass that insurance pays for. I've found that OEM glass often has less optical distortion and transmits less noise than aftermarket glass, although some people don't care or won't notice. Even with OEM glass, you'll never have the same level of installation quality as what came from the factory. Minimum-wage employees using caulk guns to apply adhesive simply can't be as clean or accurate as the robots at the factory.
I HATE replacing glass even more than having it broken!
