I called my insurance(nationwide) for a claim on my cracked windshield.

The claim processor asked me where I would like to replace it. I gave her the nearest bmw dealer and would like OE replacement windshield. Then she disclosed to me that in that case, they would only cover up to $285 before deductible. In my case, that means the max they would pay is $35($250 deductible). This sounds pretty wrong don't you guys think?

I proceed to tell her that sounds really wrong because I paid insurance for a BMW, I should be able to get OE parts replacement. Then she said something along the line that if it costs more than $285 it has to be authorized blah blah blah. I asked her would it be so complicated if I go through one of their shop. She replied that I'd have to wait for them to order OE windshield, which I was fine with.

The company's name that is going to replace the windshield is SafeLite. Anyone has experience with them?

How will I able to tell that the windshield is OE?

I've heard that sometimes the trim around the windshield has to be replaced, this is why I prefer to go to the dealer instead.