Accident Forgiveness

When you have a car accident, the last thing you want to have to think about is your insurance premium increasing. Luckily, many companies are now offering Accident Forgiveness to drivers with good driving records. When added to your auto insurance, Accident Forgiveness can save you the headache of surcharges for the 6 years they would have been on your policy.

accidentWhat is Accident Forgiveness?

Accident Forgiveness is an additional coverage added to your car insurance policy. Depending on the company you are insured with, Accident Forgiveness either prevents the surcharge from being added to your policy or allows your driving credits to remain unchanged  after an accident.

Who qualifies for Accident Forgiveness?

To qualify for Accident Forgiveness you have to have a good driving record. For some companies, this means you must have no violations and no accidents in the past 6 years. For other companies, they will allow a violation or even up to one major accident on your record.

But I’m a good driver, I don’t have accidents, why should I buy Accident Forgiveness?

According to tbehindthewheelhe MA Office of Public Safety and Security there were over 100,000 car accidents in MA each year between 2010-2012 and that is just the number of reported accidents. With distracted drivers on the road, living with winter weather, and basic human error, do you really want to take the risk? Accident Forgiveness costs between $10 per car to 5% of your policy premium. Surcharges on your driving record can cost hundreds of dollars for 6 years at a time. Which would you rather pay?

Check out this flyer from the MA Division of Insurance to learn more!