Had a minor fender bender last week—totally my fault, unfortunately. Nothing major, just a dented bumper, but now I'm worried my insurance rates are gonna skyrocket. I've heard some companies have those deals where they don't jack up your premiums after your first accident, but I don't really know who offers it or if it's worth switching. Anyone have experience with this kinda thing or recommendations for insurers who aren't super harsh after one mistake?
"I've heard some companies have those deals where they don't jack up your premiums after your first accident"
Yeah, those "accident forgiveness" deals sound good on paper, but honestly, they're usually baked into higher premiums upfront. Might wanna crunch the numbers before jumping ship... sometimes it's cheaper to just ride it out.
That's a fair point—accident forgiveness isn't always the bargain it seems. Still, for some drivers, especially newer ones or those with tight budgets, knowing your premium won't spike after one slip-up can offer peace of mind that's worth the slightly higher upfront cost. I've seen cases where clients genuinely benefited from it, but you're right: always best to run the numbers first and see if it makes sense for your situation.
