California insurance coverage with legally, medically exempt clear windshield tint – adjuster question ?

California allows tinting the windshield with a medical/dermatological exemption. It appears from the letter of the law (linked/pasted below) that carrying a dermatologist's letter with me is the necessary and sufficient condition for legality of a clear, almost transparent (no color) tint on the windshield.

Can an insurance adjuster or legal expert please confirm if my understanding of the law and therefore insurance coverage – in case I'm involved in an accident – is correct ?

I'm specifically referencing section (e) – subsection (4) below for the legal aspect.

My insurance agent has told me that if it considered legal by state law, insurance claims/process won't be a problem, and collision and any other coverage would hold.

FWIW, my eyesight is perfect – and the medical exemption I'm seeking is for dermatological condition. I did not find any CA DMV paperwork/process for the exemption – did I miss something ?

Can someone knowledgeable (not "guessing") please chime in ?

Referencing the California law and its subsection below:

https://leginfo.legislature.ca.gov/faces/codes_displaySection.xhtml?lawCode=VEH&sectionNum=26708

(e) Notwithstanding subdivision (a), clear, colorless, and transparent material may be installed, affixed, or applied to the windshield, side, or rear windows of a motor vehicle if the following conditions are met:

(1) The material has a minimum visible light transmittance of 88 percent.

(2) The window glazing with the material applied meets all requirements of Federal Motor Vehicle Safety Standard No. 205 (49 C.F.R. 571.205), including the specified minimum light transmittance of 70 percent and the abrasion resistance of AS–14 glazing, as specified in that federal standard.

(3) The material is designed and manufactured to enhance the ability of the existing window glass to block the sun’s harmful ultraviolet A rays.

(4) The driver has in his or her possession, or within the vehicle, a certificate signed by a licensed dermatologist certifying that the person should not be exposed to ultraviolet rays because of a medical condition that necessitates clear, colorless, and transparent film material to be installed on the windshield, side, or rear windows.

(5) If the material described in this subdivision tears or bubbles, or is otherwise worn to prohibit clear vision, it shall be removed or replaced.