You're onto something there. I've seen reps genuinely frustrated by their own company's red tape—it's like their hands are tied even when they want to help. But honestly, even the best company policies can fall flat if the rep handling your claim just doesn't care. Had a claim once where the policy was pretty generous, but the adjuster was so checked out it took forever to get anything done. So yeah, policies matter a ton, but it's kind of a balancing act between the two...
Totally agree with this—good policies don't mean much if the adjuster drags their feet. As a first-timer, makes me wonder: is it better to pick smaller local companies in Delaware? Maybe they're less bureaucratic and care more about reputation... thoughts?
"Maybe they're less bureaucratic and care more about reputation..."
That's an interesting point, but from my experience, smaller doesn't always mean quicker or smoother claims. I've had a couple of classic cars insured locally in Delaware—sometimes they're great, but other times they lack resources. Curious if anyone's had luck balancing local service with reliable claim handling?
"sometimes they're great, but other times they lack resources."
Yeah, exactly my experience too. Had a smaller local outfit covering my Mercedes—great personal touch, but when I needed repairs after a fender bender, things dragged out longer than expected. Still open to suggestions though...
Same here—been on both sides of this. Smaller insurers can be great for customer service, but when it comes to claims, their limited network can make things messy. Had a claim once where the repair shop they recommended didn't even have the parts for my Subaru, took almost a month before it was sorted out. Sometimes paying a bit extra for a bigger company with a broader network saves headaches later...
