what is accident forgiveness

Accident forgiveness is an auto insurance benefit that prevents insurance rates from increasing as a result of a drivers first at-fault accident. It can be automatically included in a policy or added as an optional coverage. The specifics of accident forgiveness options vary among insurance companies, but generally, it is available to drivers with a good driving record, typically requiring a certain number of years of accident-free driving, such as five years. This benefit provides drivers with the confidence of knowing that their insurance premium wont increase due to their first accident, potentially resulting in long-term savings. Its important to note that accident forgiveness does not erase the accident from the drivers record, but rather prevents it from being factored into the calculation of future premiums. The availability and cost of accident forgiveness coverage may vary by insurer, so its advisable to check with different insurers to find the best deal on a policy that includes this benefit.