I get where you’re coming from. I’ve got two kids about to start driving, and honestly, the idea of one mistake wrecking our rates is stressful. Has anyone actually had accident forgiveness pay off in Ohio, or is it mostly just peace of mind?
Has anyone actually had accident forgiveness pay off in Ohio, or is it mostly just peace of mind?
Honestly, I get the peace of mind angle, but I’ve found it’s not always worth the extra cost. When my daughter had a fender bender, our rates still went up a bit even with forgiveness. Sometimes it feels like you’re just paying for a “maybe” that doesn’t really save you much in the end. I’d double-check how much more you’re paying for it—sometimes putting that money aside yourself makes more sense.
I’ve wondered about this too, especially since I’ve had a couple of minor accidents myself. Does anyone know if accident forgiveness covers all types of accidents, or just your first at-fault one? I’ve heard some companies are picky about what actually qualifies...
Does anyone know if accident forgiveness covers all types of accidents, or just your first at-fault one? I’ve heard some companies are picky about what actually qualifies...
Totally get where you’re coming from. I looked into this after my fender bender last year. Here’s what I found:
1. Most companies only forgive your first at-fault accident, not every type.
2. They usually don’t count things like hit-and-runs or DUIs.
3. You have to be accident-free for a few years before you even qualify.
It’s kind of frustrating how “forgiveness” doesn’t always mean what we think. Still, it can save you from a big rate hike if you’re worried about another slip-up. Don’t beat yourself up over a couple minor accidents—happens to the best of us.
I’ve wondered about this too, especially since I drive all over Ohio for camping trips and family visits. I had a buddy who thought accident forgiveness was a magic fix, but after his second at-fault fender bender, his rates still shot up. Turns out, like you said, it’s usually just for the first one—and only if you’ve been “good” for a while.
One thing I noticed: some companies sneak in a higher premium just for having the forgiveness option, even if you never use it. Kind of feels like paying for a “get out of jail free” card you might never need. I guess if you’re prone to little mishaps or have a long commute, it could be worth it, but for folks who drive less or are super careful, I’m not convinced it’s a great deal.
Also, Ohio’s insurance laws are a bit quirky compared to other states. I’d double-check the fine print, because what counts as “forgivable” can be weirdly specific. Just my two cents from the road...
