Glass claims are comprehensive and no-fault
A windshield claim falls under the comprehensive part of your policy, not collision or liability. Because there's no fault — a rock doesn't care how you drive — a single glass claim usually has far less impact on your rate than an at-fault accident. Many Delaware drivers see no premium change at all from one glass claim.
Repairs are often free
Most insurers waive the deductible for a chip repair, because a $0 repair is cheaper for them than the replacement it prevents. So a small chip usually costs you nothing. Replacements go through your comprehensive deductible — which we'll confirm up front before any work.
What actually moves your rate
Frequency matters more than a single claim. One glass claim is routine; several in a short window can matter. Unsure? We'll quote both the insurance route and the cash price (no sales tax) so you can choose. Start with a free quote.
Frequently Asked Questions
Will one claim raise my premium in Delaware?
Usually not by much, if at all — glass claims are comprehensive and no-fault, far less impactful than an at-fault accident.
Should I file if the repair is free?
Yes — with the deductible waived, a chip repair typically costs nothing and saves your original factory glass.
Need a hand with your windshield? We offer same-day mobile repair and replacement across Wilmington. Call (302) 520-3338 for a free quote.