According to most all interpretations of statute and insurance/tort laws, this is a comprehensive loss and is technically a no fault loss; this is considered an assumed risk by driving on public roads. Like hail, or hitting a deer. For the record, I adjust insurance claims so this is a pretty commonplace thing for me to se.
That said, if you pester them enough, they may replace it just to quiet you down. They may tell you to pound sand. It's definitely YMMV.
That said, if you pester them enough, they may replace it just to quiet you down. They may tell you to pound sand. It's definitely YMMV.