Even the good stuff wont cover against damage thats not associated with clear bra defects. The self healing is awesome and works great but can still be damaged beyond what the self healing is capable of. For example if you get into an accident like what sounds like happened they arent going to replace the film for free. Now if your cool with your installer and they are big on customer service they may give out a free mirror piece as in the previously mentioned post but if you run into someone and need a new hood, fender, etc dont expect to get another free install. This is why we have insurance. When an accident happens a good insurer will ask if you have any upgrades, if they dont you need to tell them! Sometimes they will make you provide a receipt and then they will cover replacing the clear bra.