Couldn’t agree more—those “included” services are rarely free in the long run. I’ve noticed even a single tow can flag you as high risk. Honestly, I’d rather pay out of pocket for a jump than risk my premium creeping up. Insurance fine print is a minefield...
Insurance fine print is a minefield...
That’s spot on. I see a lot of folks get tripped up by those “extras” that look good on paper but can bite you later. One thing I always tell people: before using roadside or glass coverage, check how your company treats claims like that. Some count it against you, some don’t. Have you ever actually read through your policy’s definition of “at-fault” for claims? It can be surprisingly vague—wondering if anyone here’s had issues with that in Delaware?
Have you ever actually read through your policy’s definition of “at-fault” for claims? It can be surprisingly vague—wondering if anyone here’s had issues with that in Delaware?
Yeah, I’ve noticed that too. The “at-fault” part always seems open to interpretation, especially with minor fender benders or even parking lot stuff. I once had a cracked windshield and figured it was no big deal, but my premium still crept up the next year. Is that just how Delaware companies roll, or did I miss something in the fine print? It’s wild how something as basic as glass coverage can get so murky.
Honestly, I think people get too hung up on the “at-fault” label. Insurance companies in Delaware (and everywhere else) are just looking for any excuse to bump your rates, whether it’s a cracked windshield or a squirrel sneezing on your hood. I’ve had classic cars insured here for years, and even with zero claims, my premiums still creep up. It’s not always about the fine print—sometimes it’s just the game they play. Glass coverage is a joke unless you’re paying extra for those “no deductible” add-ons, and even then, they’ll find a way to ding you.
Glass coverage is a joke unless you’re paying extra for those “no deductible” add-ons, and even then, they’ll find a way to ding you.
- Preach. I swear, my last “comprehensive” policy felt like it covered everything except the stuff that actually happens.
- Had a rock chip on my S-Class windshield—dealer wanted $2k to replace it (because sensors, of course). Insurance said, “Sure, but your deductible is $1,500.” Gee, thanks for the help.
- I’ve noticed Delaware rates just inch up every renewal, no matter what. No tickets, no claims, just... inflation? Or maybe they know I park next to shopping carts too often.
- Pro tip: Some specialty insurers (think Hagerty or Grundy) are way more reasonable for classics or exotics. They don’t treat every scratch like you’re running a demolition derby.
- If you drive something fancy, always check if OEM parts are covered for repairs. Otherwise you end up with a windshield that fits like a cheap suit.
Honestly, half the time I feel like my car’s safer uninsured in the garage than out on the road with “full coverage.”
