OEM glass barely costs more than non-OEM, at least that was the case last time I had to replace one a few years ago. If insurance won't pony up for OEM and you really want it, just pay the difference - it should be minor.
I would argue that aftermarket might actually be better, my OEM windshield was fairly pitted after 12k kms and I don't even tailgate people. During my daily commute I'm rarely behind anyone at all. A truck carrying some type of stone was several car lengths away and one managed to bounce its way onto my windshield creating a crack. I had it replaced with Fuyao glass (from Speedy Glass, likely the Canadian version of Safelite) and it still looks great after another 30k+ kms of the same type of driving. Minus one pit from a rock I'm assuming would have cracked the oem glass.Had my windshield replaced twice in 72k miles. Full coverage for aftermarket. I pay out of pocket for OEM. I go with aftermarket. Why pay extra when its going to crack again. Aftermarket is fine.