[Superman]

I'm learning about insurance. One thing I heard clearly yesterday is that I am better off dealing with somebody else's insurance company than my own. The reason is because I have a contract with my company that can be used to their advantage. I have no such agreement with the other guy's insurance company. They very simply have an obligation to "make me whole." Glass is not included or excluded. Medical is not included or excluded. Deductibles are not in play.