Confused about why I was just pulled over...

[Jeffrey Lebowski]

I've been in insurance for 12 years and I've never had an issue with any of our clients. That was probably a company thing. Out of curiosity, how many were you doing?

It was probably 2 / year x several years.
It didn't help that I claimed a new JK hardtop that had a baseball size "crush" damage spot.
My wife had two speeding tickets, I had the JK claim and I think one other minor accident years before.

At least we got the JK top out of them before they dropped us and they were pissed because they couldn't find one sans windows and had to pay extra. I'm sure that was the final straw, but when I marched into my agent's office complaining, he pulled my file and his first comments were on the windshields.
"Your son (his employee) said they were 'free' to us!!!"
Well they are, but enough dings you! I drive my 199X camry up to the mountains every year and it has been so pitted for a decade and you're claiming a new windshield every year! If I would have known I'd have said something.
"Yeah, well, your son did. That's why we claimed them all…"

I told him to up our rates and "fix it." He said he couldn't, it was all on underwriting in Greeley. Well, then I didn't feel so bad about that office getting shut down and all of them losing their jobs or having to transfer. Sorry I was so petty about it at that point, but, whatever. Edit: In the end it worked out awesome since we saved a bunch of money and got WAY more insurance coverage elsewhere. But now I pay for windshields.

Which company are you with?

This has always been our worry, we have State Farm and we usually wait until it gets a bit worse before replacing. Even doing that we probably do 3 or 4 a year on two vehicles. Never had a problem but if we did it every time we got a crack we'd probably be at 5 or 6 windshields, we really have bad luck.

We do get chips repaired immediately if we see them.

Yep, cabbage!
Oh, State Farm was nice enough to "let us keep" our home insurance. Haha, fawk off, the house goes with. I'd had them since residency right out of college too.

And ever since, I've paid cash on windshields. In fairness, I actually never did fix the chips, I'd just let them crack across the entire length and claim a new one.
In fact, I have a huge crack halfway across on my CTD right now. However, it basically only gets driven to bike races, camping, or in winter weather at this point. I'll deal with it come Spring, I suppose.