"Might be worth running your own numbers based on your policy specifics..."
That's a good point—I hadn't considered doing the math myself yet. Does anyone know if accident forgiveness typically covers all types of minor incidents, or are there exceptions? Curious how consistent it is across providers...
I've noticed some providers exclude parking lot fender-benders or minor scrapes from accident forgiveness...might wanna double-check that. Has anyone seen differences in Ohio specifically, or is it pretty standard nationwide?
Yeah, good call on checking the fine print—Ohio's pretty standard, but I've seen providers here get picky about what counts as "forgivable." Minor scrapes often don't trigger accident forgiveness anyway, since they're usually below deductible...might wanna factor that in too.
Yeah, good point about minor scrapes. Honestly, I've found accident forgiveness mostly useful for those borderline cases—like when damage is juuust above deductible. Otherwise, you're right, it's not always worth the extra cash. Good thinking to double-check details first.
Yeah, I hear ya. Had a client once who skipped accident forgiveness to save a few bucks, then got into a fender-bender just over deductible—ouch. It's one of those things you hope you never need, but when you do... man, you're glad it's there. Still, always smart to weigh the costs carefully.
