diff --git a/src/layouts/insurance-company/insurance-company.vue b/src/layouts/insurance-company/insurance-company.vue
index 79e238d47..452484e48 100644
--- a/src/layouts/insurance-company/insurance-company.vue
+++ b/src/layouts/insurance-company/insurance-company.vue
@@ -16,6 +16,13 @@
                             v-model="parentAccountNumber"
                             :originalList="originalList" />
                     </div>
+                    <textLink
+                        id="payOnMyOwnBackButton"
+                        useLoadingModal
+                        linkType="text"
+                        :text="payWithCashButtonCopy"
+                        href="javascript:void(0)"
+                        @click-event="backButtonAction(foreceCashSelectionOnQuote = true)" />
 
                     <navbar
                         cmsWidgetName="FunnelFooterWidget"
@@ -36,6 +43,7 @@ import navbar from "@/fmg-components/nav-bar/nav-bar";
 import funnelSubHeader from "@/fmg-components/funnel-sub-header/funnel-sub-header";
 import loadingModal from "@/fmg-components/loading-modal/loading-modal.vue";
 import insuranceCompanyQuestion from "@/layouts/insurance-company/insurance-company-question";
+import textLink from "../../ux-components/text-link/text-link.vue";
 
 // Supporting files
 import { fetchCmsContentForPage } from "@/helpers/cms-content-helper";
@@ -92,6 +100,9 @@ export default {
         isParentAccountNumber() {
             return !!this.parentAccountNumber;
         },
+        payWithCashButtonCopy() {
+            return this.getCmsContent("PayWithCashWidget", "Text");
+        }
     },
     methods: {
         isCashParentAccountNumber() {
@@ -109,8 +120,13 @@ export default {
         arePagePrerequisitesValid() {
             return store.getters.order.payment.isInsurance === true;
         },
-        backButtonAction() {
+        backButtonAction(forceCashSelectionOnQuote) {
             // Go back to Quote page
+            if (forceCashSelectionOnQuote) {
+                this.$router.navigateWithoutSaving(this.navigationScenarios.CLICKED_BACK, this.$route, {"isCashSelected": true});
+                return;
+            }
+                
             this.$router.navigateWithoutSaving(this.navigationScenarios.CLICKED_BACK, this.$route);
         },
         async forwardButtonAction() {
@@ -157,6 +173,7 @@ export default {
         Form,
         loadingModal,
         insuranceCompanyQuestion,
+        textLink,
     },
 };
 </script>
diff --git a/src/layouts/molding-questions/molding-questions.vue b/src/layouts/molding-questions/molding-questions.vue
index 1bcc3d7a8..2c5f5a7c3 100644
--- a/src/layouts/molding-questions/molding-questions.vue
+++ b/src/layouts/molding-questions/molding-questions.vue
@@ -78,6 +78,20 @@ export default {
                     );
                 }
 
+                if (store.getters.externalParameterCustomer?.phoneNumber) {
+                    await baseMixin.methods.dispatchStoreAction(
+                        storeActions.SAVE_PHONE_NUMBER,
+                        store.getters.externalParameterCustomer.phoneNumber,
+                        false
+                    );
+
+                    await baseMixin.methods.dispatchStoreAction(
+                        storeActions.SAVE_IS_SMS_OPT_IN,
+                        true,
+                        false
+                    );
+                }
+
                 baseMixin.methods.ResetExternalParamsAndHideModal();
             }
         });
diff --git a/src/layouts/part-questions/part-questions.vue b/src/layouts/part-questions/part-questions.vue
index f905e86c7..d60ddbb70 100644
--- a/src/layouts/part-questions/part-questions.vue
+++ b/src/layouts/part-questions/part-questions.vue
@@ -79,6 +79,21 @@ export default {
                         false
                     );
                 }
+
+                if (store.getters.externalParameterCustomer?.phoneNumber) {
+                    await baseMixin.methods.dispatchStoreAction(
+                        storeActions.SAVE_PHONE_NUMBER,
+                        store.getters.externalParameterCustomer.phoneNumber,
+                        false
+                    );
+
+                    await baseMixin.methods.dispatchStoreAction(
+                        storeActions.SAVE_IS_SMS_OPT_IN,
+                        true,
+                        false
+                    );
+                }
+                
                 baseMixin.methods.ResetExternalParamsAndHideModal();
             }
         });
diff --git a/src/layouts/quote/quote.spec.js b/src/layouts/quote/quote.spec.js
index deca0d6d1..522bc4f2e 100644
--- a/src/layouts/quote/quote.spec.js
+++ b/src/layouts/quote/quote.spec.js
@@ -577,6 +577,56 @@ describe("quote.vue", () => {
         //Assert
         expect(wrapper.vm.isInsuranceSelected).toBe(false);
     });
+    test("should default to cash if isCashSelected is true, despite all other checks pointing to insurance selection", async () => {
+        // Also needs no query parameter or previous selection in store to be present
+        //Arrange
+
+        store.getters = {
+            lineItems: {
+                glassParts: ["item", "item2"],
+            },
+            applicationUser: {
+                experiments: [],
+            },
+            order: {
+                lineItems: {
+                    glassParts: ["item", "item2"],
+                },
+                payment: {
+                    isInsurance: true,
+                },
+                customer: {
+                    emailAddress: "test@test.com",
+                },
+                serviceLocation: {
+                    state: null,
+                },
+            },
+            vehicle: {
+                cardId: "123",
+            },
+            experimentSettings: {
+                settingName: "SERVICE_PACKAGE_DISCOUNT",
+            },
+        };
+        mockTierOnePrice = 505;
+        const { wrapper } = setupMocks({});
+
+
+        //Act
+        await quote.beforeRouteEnter.call(
+            wrapper.vm,
+            { query: { fmgPage: "quote",
+                isInsuranceSelected: true,
+                isCashSelected: true,
+             } },
+            undefined,
+            (c) => c(wrapper.vm)
+        );
+
+        //Assert
+        expect(wrapper.vm.isInsuranceSelected).toBe(false);
+    });
     test("should default to insurance if total economy package price is over $500", async () => {
         // Also needs no query parameter or previous selection in store to be present
         //Arrange
diff --git a/src/layouts/quote/quote.vue b/src/layouts/quote/quote.vue
index 4428f6e40..20dc16304 100644
--- a/src/layouts/quote/quote.vue
+++ b/src/layouts/quote/quote.vue
@@ -328,6 +328,10 @@ export default {
             }
 
             const getIsInsuranceSelectedValue = (availableLineItems, insuranceThreshold) => {
+                // query param checked here is set on insurance-selection "Pay on my own" link click
+                if (to.query?.isCashSelected || to.query?.iscashselected) {
+                    return false;
+                }
                 const serviceLocationState = store.getters.order.serviceLocation.state;
 
                 // usually true when returning from heritage but can be false when returning from heritage on a save quote
diff --git a/src/layouts/service-location/mobile-location-modal-questions/mobile-location-modal-questions.spec.js b/src/layouts/service-location/mobile-location-modal-questions/mobile-location-modal-questions.spec.js
index 863a04c82..91f26b64d 100644
--- a/src/layouts/service-location/mobile-location-modal-questions/mobile-location-modal-questions.spec.js
+++ b/src/layouts/service-location/mobile-location-modal-questions/mobile-location-modal-questions.spec.js
@@ -203,7 +203,7 @@ describe("mobile-location-modal-questions.vue", () => {
         expect(wrapper.vm.$refs.MobileLocationModalWidget.openModal).toHaveBeenCalled();
     });
 
-    it("Should emit update:modelValue on setMobileLocation for a valid address and vehicle protection answer", async () => {
+    it("Should emit updated-mobile-location-questions on setMobileLocation for a valid address and vehicle protection answer", async () => {
         // Arrange
         const mobileLocationQuestions = {
             addressQuestions: {
@@ -240,17 +240,26 @@ describe("mobile-location-modal-questions.vue", () => {
         });
         wrapper.vm.$refs.MobileLocationModalWidget.closeModal = jest.fn();
 
+        // Mock the emitEvent function
+        wrapper.vm.emitEvent = jest.fn(async (eventName, payload) => {
+            return new Promise((resolve) => {
+                wrapper.vm.$emit(eventName, newMobileLocationQuestions, resolve);
+                resolve(newMobileLocationQuestions);
+            });
+        });
         // Act
         wrapper.vm.internalModel = newMobileLocationQuestions;
+
         await wrapper.vm.setMobileLocation();
 
-        let expectedEmit = [[newMobileLocationQuestions]];
-
         // Assert
-        expect(wrapper.emitted("update:modelValue")).toEqual(expectedEmit);
+        expect(wrapper.emitted()["updated-mobile-location-questions"]).toBeTruthy();
+        expect(wrapper.emitted()["updated-mobile-location-questions"][0][0]).toBe(
+            newMobileLocationQuestions
+        );
     });
 
-    it("Should not emit update:modelValue on setMobileLocation for an invalid address zip code", async () => {
+    it("Should not emit updated-mobile-location-questions on setMobileLocation for an invalid address zip code", async () => {
         // Arrange
         const mobileLocationQuestions = {
             addressQuestions: {
@@ -293,7 +302,7 @@ describe("mobile-location-modal-questions.vue", () => {
         await wrapper.vm.setMobileLocation();
 
         // Assert
-        expect(wrapper.emitted("update:modelValue")).not.toBeTruthy();
+        expect(wrapper.emitted("updated-mobile-location-questions")).not.toBeTruthy();
     });
 
     it("Should display invalid zip alert for invalid address zip inputs", async () => {
diff --git a/src/layouts/service-location/mobile-location-modal-questions/mobile-location-modal-questions.vue b/src/layouts/service-location/mobile-location-modal-questions/mobile-location-modal-questions.vue
index d88bd53e2..dadbaff8b 100644
--- a/src/layouts/service-location/mobile-location-modal-questions/mobile-location-modal-questions.vue
+++ b/src/layouts/service-location/mobile-location-modal-questions/mobile-location-modal-questions.vue
@@ -98,6 +98,7 @@ export default {
         "updated-contains-military-base",
         "updated-bill-to-account-number",
         "mobileLocationSelected",
+        "updated-mobile-location-questions",
     ],
     data() {
         return {
@@ -251,10 +252,15 @@ export default {
             if (!zipCodeData.isValid) {
                 this.displayInvalidZipAlert = true;
                 this.resetModalButtonStyle();
+                return;
             } else if (zipCodeData.state != this.internalModel.addressQuestions.state) {
                 this.displayMismatchStateAndZipAlert = true;
                 this.resetModalButtonStyle();
-            } else {
+                return;
+            } else if (
+                this.internalModel.addressQuestions.zipCode !==
+                this.modelValue.addressQuestions.zipCode
+            ) {
                 // retrieve mobile fee part
                 const serviceZipCode = this.internalModel.addressQuestions.zipCode;
                 const mobileFeePart = await getPricedMobileFeePart(
@@ -279,13 +285,17 @@ export default {
                 this.$emit("updated-contains-military-base", zipCodeData.containsMilitaryBase);
                 this.$emit("updated-mobile-ctu", zipCodeData.zipCodeCtu);
                 this.$emit("updated-bill-to-account-number", billToAccountNumber);
-
-                // update the page level model
-                this.$emit("update:modelValue", this.internalModel);
-
-                //Page advance to Schedule page
-                this.$emit("mobileLocationSelected");
             }
+            // update the page level model
+            await this.emitEvent("updated-mobile-location-questions", this.internalModel);
+
+            this.$emit("mobileLocationSelected");
+        },
+        //creating emitEvent function to raise events with resolve callback to handle events sequencing
+        async emitEvent(eventName, payload) {
+            return new Promise((resolve) => {
+                this.$emit(eventName, payload, resolve);
+            });
         },
     },
     watch: {
diff --git a/src/layouts/service-location/service-location.spec.js b/src/layouts/service-location/service-location.spec.js
index 68d2e948f..3cd5d93e1 100644
--- a/src/layouts/service-location/service-location.spec.js
+++ b/src/layouts/service-location/service-location.spec.js
@@ -460,11 +460,23 @@ describe("service-location.vue", () => {
             };
 
             // Act
-            mobileLocationQuestionsComponent.vm.$emit(
-                "update:modelValue",
+
+            // Mock the emitEvent function
+            mobileLocationQuestionsComponent.vm.emitEvent = jest.fn(async (eventName, payload) => {
+                return new Promise((resolve) => {
+                    mobileLocationQuestionsComponent.vm.$emit(eventName, payload, resolve);
+                });
+            });
+
+            // Trigger the event
+            await mobileLocationQuestionsComponent.vm.emitEvent(
+                "updated-mobile-location-questions",
                 newMobileLocationQuestions
             );
 
+            await wrapper.vm.$nextTick(); // Wait for DOM updates
+            await new Promise((resolve) => setTimeout(resolve, 0)); // Wait for promise to resolve
+
             // Assert
             expect(wrapper.vm.mobileLocationQuestions).toStrictEqual(newMobileLocationQuestions);
         });
@@ -529,11 +541,23 @@ describe("service-location.vue", () => {
             };
 
             // Act
-            mobileLocationQuestionsComponent.vm.$emit(
-                "update:modelValue",
+
+            // Mock the emitEvent function
+            mobileLocationQuestionsComponent.vm.emitEvent = jest.fn(async (eventName, payload) => {
+                return new Promise((resolve) => {
+                    mobileLocationQuestionsComponent.vm.$emit(eventName, payload, resolve);
+                });
+            });
+
+            // Trigger the event
+            await mobileLocationQuestionsComponent.vm.emitEvent(
+                "updated-mobile-location-questions",
                 newMobileLocationQuestions
             );
 
+            await wrapper.vm.$nextTick(); // Wait for DOM updates
+            await new Promise((resolve) => setTimeout(resolve, 0)); // Wait for promise to resolve
+
             // Assert
             expect(wrapper.vm.serviceZipCodeQuestion).toStrictEqual(newServiceZipCodeInfo);
         });
diff --git a/src/layouts/service-location/service-location.vue b/src/layouts/service-location/service-location.vue
index ef7a5491f..a17c0e02b 100644
--- a/src/layouts/service-location/service-location.vue
+++ b/src/layouts/service-location/service-location.vue
@@ -93,6 +93,7 @@
                         @updated-serviceability="setServiceabilityDetails"
                         @updated-contains-military-base="setContainsMilitaryBase"
                         @updated-mobile-ctu="setCtuForMobile"
+                        @updated-mobile-location-questions="setMobileLocationQuestions"
                         validationRules="mobile-location-required"
                         ref="mobileLocationQuestions"
                         linkWidgetName="MobileLocationLinkWidget"
@@ -294,17 +295,18 @@ export default {
                     isVehicleProtected: this.isVehicleProtected,
                 };
             },
-            set: function (newValue) {
+            async set(newValue) {
                 if (newValue.addressQuestions.zipCode !== this.zipCode) {
-                    getShopProviderData(newValue.addressQuestions.zipCode).then((result) => {
+                    await getShopProviderData(newValue.addressQuestions.zipCode).then((result) => {
                         this.shopProviderData = result.data;
                         this.selectedProvider = new Provider(
                             this.shopProviderData.mobileProviderNumber
                         );
                     });
                 }
-
                 this.setMobileLocation(newValue);
+                //handle promise
+                newValue.resolve?.();
             },
         },
         isServiceableMobile() {
@@ -485,6 +487,10 @@ export default {
         setMobileFeePart(mobileFeePart) {
             this.mobileFeePart = mobileFeePart;
         },
+        //creating async function as the computed property can not directly handle asynchronous operations or promises.
+        async setMobileLocationQuestions(newValue, resolve) {
+            this.mobileLocationQuestions = { ...newValue, resolve };
+        },
         getServiceAddressFromStore() {
             return store.getters.order.serviceLocation.address;
         },
diff --git a/src/layouts/service-zip/service-zip.vue b/src/layouts/service-zip/service-zip.vue
index 717880553..ae7609da8 100644
--- a/src/layouts/service-zip/service-zip.vue
+++ b/src/layouts/service-zip/service-zip.vue
@@ -202,11 +202,18 @@ export default {
         async forwardButtonAction() {
             const zipCodeData = await this.getZipCodeData(this.serviceZipCode);
 
-            if (vinPagesMixin.methods.isPhoneNumber(this.emailOrSms)) {
-                const phone = this.emailOrSms.replace(/[()]/g, "");
-                await this.dispatchStoreAction(storeActions.SAVE_PHONE_NUMBER, phone, false);
-            } else {
-                await this.dispatchStoreAction(storeActions.SAVE_EMAIL, this.emailOrSms, false);
+            // if no value due to field being optional, blank both phone and email address
+            if (!this.emailOrSms) {
+                await this.dispatchStoreAction(storeActions.SAVE_PHONE_NUMBER, "", false);
+                await this.dispatchStoreAction(storeActions.SAVE_EMAIL, "", false);
+            }
+            else { 
+                if (vinPagesMixin.methods.isPhoneNumber(this.emailOrSms)) {
+                    const phone = this.emailOrSms.replace(/[()]/g, "");
+                    await this.dispatchStoreAction(storeActions.SAVE_PHONE_NUMBER, phone, false);
+                } else {
+                    await this.dispatchStoreAction(storeActions.SAVE_EMAIL, this.emailOrSms, false);
+                }
             }
 
             await this.dispatchStoreAction(
diff --git a/src/layouts/vehicle-damage/vehicle-damage.vue b/src/layouts/vehicle-damage/vehicle-damage.vue
index 6e9c4b198..46efb4728 100644
--- a/src/layouts/vehicle-damage/vehicle-damage.vue
+++ b/src/layouts/vehicle-damage/vehicle-damage.vue
@@ -152,6 +152,20 @@ export default {
                 if (isValid) {
                     vm.forwardButtonAction();
                 } else {
+                    if (store.getters.externalParameterCustomer?.phoneNumber) {
+                        await baseMixin.methods.dispatchStoreAction(
+                            storeActions.SAVE_PHONE_NUMBER,
+                            store.getters.externalParameterCustomer.phoneNumber,
+                            false
+                        );
+
+                        await baseMixin.methods.dispatchStoreAction(
+                            storeActions.SAVE_IS_SMS_OPT_IN,
+                            true,
+                            false
+                        );
+                    }
+
                     if (store.getters.externalParameterServiceZip.zipCode) {
                         await baseMixin.methods.dispatchStoreAction(
                             storeActions.SAVE_SERVICE_ZIP_CODE_INFO,