I get the hesitation, but have you checked directly with your insurer about how their accident forgiveness actually works? I had a similar worry a while back—my agent explained that with my policy, one minor accident wouldn't affect my rates or discounts. Ended up being legit when I needed it (unfortunately). Might be worth a quick call just to clarify exactly what's covered and what's not...could save you some stress down the road.
"Might be worth a quick call just to clarify exactly what's covered and what's not...could save you some stress down the road."
Good point—have you also asked specifically about how long the accident forgiveness lasts? I remember asking my insurer about this, and turns out mine resets after a certain period without incidents. Made me wonder...is that standard everywhere or just my policy being quirky? Always better to double-check these little details before you're stuck dealing with surprises later on.
"Made me wonder...is that standard everywhere or just my policy being quirky?"
That's interesting, because when I asked about mine, they said accident forgiveness was a one-time deal and didn't reset at all. Maybe it's because I'm considered high-risk? Now I'm curious if this varies by state or insurer. Might be worth checking if Arkansas has specific rules about this, or if it's just down to individual company policies...insurance details always seem to have these hidden quirks.
I've actually heard accident forgiveness can reset after a few years of clean driving, at least with my insurer. Maybe they're stricter if you're labeled high-risk...but honestly, it's probably just another sneaky way companies vary their fine print. Always gotta read carefully.
"Always gotta read carefully."
Definitely agree with you there—insurance companies do love their fine print. But you're right about accident forgiveness resetting; many insurers I've dealt with offer a reset after 3-5 years clean driving. Just gotta stay vigilant and keep track yourself...
