Wow, sorry to hear about your '11 Cruze, but glad that you are OK.
Our '11 LTZ didn't even have 'Tinted Windows' as an option, but our dealership had a local tint-shop do all the windows before we purchased, that way, they were considered "factory/dealer" installed and thus covered by car insurance. Typically, things installed "after" purchase, aren't covered by many insurance companies.
The windows are tinted from the manufacturer but for cars it's usually not the dark privacy tint like trucks and SUV's get. There is tint there but it's more of a solar or UV barrier than a dark privacy tint.
I have 18% tint on my Monte Carlo and plan on having the Cruze tinted with 18% as well, probably next spring.
Window tinting can reduce a driver's visibility in certain driving environments conditions. Tinted windows are becoming increasingly popular with drivers everywhere and whether you want them for the additional usage.