So, I had a bit of a mishap last month—nothing major, just one of those annoying parking lot fender benders. You know the type, backing out slowly, checking mirrors, and suddenly... crunch. Ugh. Anyway, I was pretty annoyed at first, thinking about the hassle and the cost. But turns out, having comprehensive collision coverage here in Delaware was actually a lifesaver. The whole process was surprisingly smooth, and I didn't have to stress about the repair costs nearly as much as I thought I would. Honestly, I used to think this kind of coverage was just an extra expense, but now I'm kinda grateful I had it.
Curious if anyone else around here has had a similar experience? Or maybe you feel differently about it? I'm still debating if it's worth keeping long-term or if I just got lucky this time...
- Glad it worked out for you, but honestly, collision coverage isn't something I'd ever skip. It's one of those things you don't appreciate until you actually need it.
- Had a similar situation a couple years back—someone clipped my bumper in a grocery store lot. Nothing major, but the repair bill was still way higher than I expected. Without collision coverage, I'd have been stuck paying out of pocket, and that would've hurt.
- I get why some people think it's an unnecessary expense, especially if you're driving an older car or something that's already paid off. But even then, repairs can add up fast. Plus, it's not just about your own driving—there are plenty of careless drivers out there who won't leave a note or stick around after hitting your parked car.
- One thing to consider though: what's your deductible? If it's super high, like $1k or more, then yeah, maybe it's worth reconsidering. But if it's reasonable, I'd say keep it. You never know when you'll need it again.
- Also curious—did your insurance rates go up after filing the claim? I've heard mixed things about that. Some people say their premiums barely budged, others got hit with noticeable increases. Would be good to know how different companies handle minor claims like this...
