Just found out my insurance in Montana has accident forgiveness, meaning my rates won't spike after my first at-fault accident. Pretty handy if you're like me and occasionally have a brain fart moment behind the wheel, lol. Curious if anyone else has tips or experiences with this?
Accident forgiveness sounds great on paper, but honestly, I'd double-check the fine print. Had a buddy in Billings who thought he was covered after a minor fender-bender—turns out his policy had some sneaky conditions about how long he'd been accident-free beforehand. Not saying yours does, but insurance companies aren't exactly known for generosity, ya know? Might be worth a quick call to your agent just to clarify exactly what's covered... better safe than sorry.
