Windshield replacement tips
 

Hi I got a huge crack in my windshield from what looks like nowhere.
My insurance company (Geico) refuse to pay for OEM. I am looking for tips what to look for when getting a replacement. As far as I remember the windows on xB has UV...does this hold for OEM Windshields too? Will the replacements have it? I know close to nothing about cars.
I think Geico recommended safelite or something like that, but they have pretty dismal feedback.