Good call on the roadside assistance tip—I overlooked that one myself at first. Got stuck once near Wilmington during a pretty nasty snowstorm, and it was a real eye-opener when I realized my policy didn't cover towing. Ended up paying out of pocket, and trust me, that wasn't cheap.
Another thing I've learned to watch out for is rental car coverage. Had a friend whose car was in the shop for almost two weeks after an accident, and his insurance only covered rental for like three days. He ended up shelling out a good chunk of change just to get around town. It’s one of those details you don’t think about until you're in the thick of it.
On a related note—has anyone here had experience with accident forgiveness programs? I've seen them advertised a lot lately, but I'm curious if they're actually worth it or just another upsell. Seems like they could save you some headaches down the line, especially if you commute regularly on busy roads like Route 1 or I-95... but maybe there's a catch? Just wondering if anyone's actually benefited from it or if it's mostly marketing fluff.
"On a related note—has anyone here had experience with accident forgiveness programs?"
I looked into accident forgiveness a while back after my coworker had a minor fender-bender on Kirkwood Highway. He said it saved him from a premium hike, but when I checked, the fine print was pretty restrictive—like you had to be accident-free for several years first. Makes me wonder if it's really worth paying extra upfront for something you might never use... Has anyone actually crunched the numbers on this?
I get why people are skeptical about accident forgiveness, but honestly, from what I've seen, it can be a lifesaver—especially if you're driving in Delaware. Sure, the fine print is annoying (isn't it always?), but think of it this way: one accident—even a minor one—can spike your premiums for years. I've handled claims where drivers were shocked by how much their rates jumped after just one fender-bender on busy roads like Concord Pike or Kirkwood Highway.
Yeah, you might pay a bit extra upfront and never use it—but that's insurance in general, right? You're paying for peace of mind. If you're someone who commutes regularly through Wilmington or Newark during rush hour traffic... well, let's just say your odds of eventually needing that forgiveness aren't exactly zero.
I haven't done a full spreadsheet analysis or anything, but from my experience dealing with claims every day, I'd say it's worth considering seriously. It's not a scam or anything—just another tool to manage risk.
Good points, but honestly, accident forgiveness isn't always the best move. If you're a pretty cautious driver with a clean record, paying extra every month might not add up financially... sometimes better to just stash that money aside for emergencies, ya know?
Yeah, I see your point there. I've always wondered about accident forgiveness myself—seems like a bit of a gamble, doesn't it? I mean, you're basically betting you'll have an accident at some point, and if you're careful, that might never even happen.
Personally, I've been driving my old Mustang around Delaware for years without any major issues (knock on wood...). I once asked my agent about accident forgiveness, and he basically said the same thing you're saying: if you're cautious and have a clean record, it might not be worth the extra bucks. He suggested I just put aside a little cash each month instead, sort of a DIY emergency fund.
Funny enough, a buddy of mine did exactly that—saved up his "accident forgiveness" money in a jar labeled "Oops Fund." After a few years, he had enough to cover a minor fender bender completely out-of-pocket. Said it felt better than paying extra every month for something he might never use.
Still, I guess it depends on your comfort level. Some folks prefer the peace of mind, even if it costs a bit more. Me? I'd rather spend the extra cash on keeping my classic running smooth... or maybe a few extra trips to the diner.
