Car Insurance Accident Forgiveness

Many car insurance companies provide accident forgiveness, a feature that prevents insurance costs skyrocket at rising at renewal time if you’ve caused a car accident. In order to add this feature to your regular car insurance policy you will have to pay more. Most of the insurers charge an additional 2% to 9% to add accident forgiveness to a policy. Rates sometimes varied depending on the state and the amount of coverage on the policy. Plus, your insurer may require having a clean driving record for several years before you can opt in. Find out more about car insurance accident forgiveness and purchase auto insurance online from our website.

@ car-on-openAccident forgiveness is a feature of an auto insurance policy which protects your driving record from being affected by the insurance company’s rating system for an “at-fault” accident. It prevents your insurance premium from going 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 spotless.

Each auto carrier has its own policy and procedure for accident forgiveness. You can always ask the company if you qualify for accident forgiveness, but it is ultimately up to the insurance company. Some providers automatically offer accident forgiveness while others allow you to purchase it as an endorsement to your auto policy. You should remember that even though the insurance company does not consider the accident in the price of your insurance, the accident is still on your driving record. As a result, the premiums may increase later. If you are talking with an insurance representative, you should also inquire about other existing discounts and services offered by the insurance company.

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