WHAT IS ACCIDENT FORGIVENESS ON CAR INSURANCE?

Accident forgiveness is a feature of an auto insurance policy that protects your driving record from being affected by the insurance company's rating system for an at-fault accident, so that your insurance premium won't go up because of an at-fault accident. Not every at-fault accident is going to be forgiven by an insurance company. This usually only applies to your first at-fault accident and then only if your driving record is otherwise clean. However, some companies offer accident forgiveness for all accidents that occur during the life of a policy with the company.  This is something to ask your insurance agent if it is available on your policy.

Every auto insurance carrier has its own rules for accident forgiveness. You should ask if you qualify for accident forgiveness, and it is up to the insurance company to include it on your policy. Some companies automatically offer accident forgiveness while others require you to purchase it as an endorsement to your policy. Even though the insurance company forgives the accident from the rating of your policy, you should know that it is still on your driving record.  This is important to know if you want to change insurance companies in the future.

Posted 2:10 PM

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