How funny, yes the rates did go up on glass coverage, $4.62/wk or $240/yr plus $100 deductible. Your right it would be $340 for a yr if you replaced it once a yr. But the guys first question, any crack longer than 6" is a violation. Oh well...
You should turn him in for borrowing money from you, a trainee. That is in such poor taste. Its understandable why his settlements are behind. Every week the bills continue to add up, trk pymt, expenses, fuel, everything. So if he sits, he goes more and more behind on his paychecks.