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All about accident forgiveness

April 22, 2009

Accidents can happen to anyone - even good drivers with clean records aren’t immune. So what can good drivers do to help protect themselves from higher premiums? One option worth considering is to purchase “accident forgiveness.”

Here’s how accident forgiveness works:

  • Essentially, accident forgiveness protects you from rate increases if you get into a car accident - even if you’re found to be at fault by your insurance company.

  • Accident forgiveness usually only applies to your first at fault accident. Tip: Remember that insurance companies “forgive” but they don’t “forget” - your accident will still go on record.
  • If you cause an accident, know that accident forgiveness does not protect you from being charged if you broke the law, nor does it keep you from gaining demerit points.
  • You can inquire about adding accident forgiveness to your auto policy by consulting with your insurance broker or agent.
  • Check with your insurance agent or broker to see if you’re eligible for accident forgiveness - some companies offer this at no cost to good drivers who have been with them for a set period (three consecutive years is typical).

The cost is typically only $35 to $50 per policy term.

Whether you have a clean driving record, or one with tickets and accidents, there’s an insurance company with the lowest rate for your driving profile out there. InsuranceHotline.com can help you find that rate by allowing you to compare quotes from 30 competing insurers, instantly and for free.

  • http://www.insurancehotline.com/ InsuranceHotline.com


    You only lose your “accident forgiveness” coverage if you or the person you gave permission to drive your car is at fault.


  • http://www.hacktheplanet.com zerocool

    What if I had accident forgiveness, and had an accident. Which a claim was made on. If i were to switch to another company. Do i need to note that accident when starting my new insurance ? or is it wiped to nothing ?

    This has been a question that i have been pondering for a while.

  • http://www.insurancehotline.com/ InsuranceHotline.com


    You must notify a new insurance company about your accident. One point you should note is that most of the time, accident forgiveness applies only to the company you were with when you had the accident. A new company may not forgive the accident.

  • gaffoutloud

    Hi. I understand that with accident forgiveness your premium does not increase due to your 1st at fault accident. However is this still the case if you make a claim through your insurance to get your car fixed as a result of the at fault accident? In other words does it matter if you claim damages from that particular at fault accident? Thanks

  • Awkamun

    Does accident forgiveness still apply if you previously had an accident with someone else’s car and their insurance but was still ruled as your fault and then get into an accident with your car and your insurance? And your only 19?

  • InsuranceHotline

    You will have to check with your insurance company or insurance insurance documents. Each insurance company has their own rules for that.