Accident Forgiveness Insurance: Keep Your Record Clean After 10,000 Miles

What is Accident Forgiveness Insurance?

Accident forgiveness insurance is a type of car insurance that forgives one at-fault accident every policy period. This is a valuable perk, as even a single at-fault accident can lead to a significant increase in your insurance rates.

Most insurance companies offer accident forgiveness as an add-on to their standard policies, but some companies include it as a standard feature. If you're not sure whether your policy includes accident forgiveness, you should contact your insurance company to find out.

Benefits of Accident Forgiveness Insurance

There are many benefits to having accident forgiveness insurance, including:

• Protects your driving record: An at-fault accident can stay on your driving record for up to seven years. This can lead to higher insurance rates and make it more difficult to find affordable car insurance. Accident forgiveness insurance can help you keep your driving record clean, even if you have an accident.
• Saves you money: As we mentioned above, an at-fault accident can lead to higher insurance rates. Accident forgiveness insurance can help you avoid these rate increases, which can save you hundreds of dollars each year.
• Low cost: Accident forgiveness insurance is usually a very affordable add-on to your car insurance policy. In most cases, it will only cost you a few extra dollars per month. But it is worth noting that some companies may have a maximum mileage limit of around 10,000 miles per year to qualify.

How to Get Accident Forgiveness Insurance

If you're interested in getting accident forgiveness insurance, you should contact your insurance company to find out if it's available as an add-on to your policy. If it is, you can usually add it to your policy for a small fee.

It is important to note that accident forgiveness insurance does not cover all types of accidents. For example, it typically does not cover accidents that are caused by driving under the influence of alcohol or drugs, or accidents that are caused by reckless driving.

Is Accident Forgiveness Insurance Right for You?

Whether or not accident forgiveness insurance is right for you depends on your individual circumstances. If you have a clean driving record and you're not a high-risk driver, you may not need accident forgiveness insurance. However, if you have a history of accidents or you're a high-risk driver, accident forgiveness insurance could be a valuable investment.

Alternatives to Accident Forgiveness Insurance

If you're not interested in accident forgiveness insurance, there are a few other things you can do to protect your driving record and save money on car insurance. These include:

• Drive safely: The best way to avoid an accident is to drive safely. This means obeying the speed limit, being aware of your surroundings, and avoiding distractions.
• Take a defensive driving course: A defensive driving course can teach you how to drive more safely and avoid accidents.
• Raise your deductible: Raising your deductible can lower your insurance rates. However, you should only raise your deductible if you're comfortable paying it out-of-pocket in the event of an accident.