That’s a fair point, but I keep wondering—does accident forgiveness actually cover stuff like getting rear-ended if it’s not your fault? Or is it just for when you mess up? I’m still learning all the insurance lingo and it’s kinda confusing.
does accident forgiveness actually cover stuff like getting rear-ended if it’s not your fault? Or is it just for when you mess up?
Yeah, the insurance lingo can be a total headache. From what I’ve figured out, accident forgiveness only really helps if you’re the one who causes the accident—like, you rear-end someone or back into a pole. If you get rear-ended and it’s clearly not your fault, that usually goes on the other driver’s insurance anyway, so accident forgiveness doesn’t even come into play.
I used to think it covered any kind of accident, but turns out it’s more like a “get out of jail free” card for your first oops moment. Honestly, I’m still on the fence about whether it’s worth paying extra for in Ohio. I mean, if you’re a super careful driver and haven’t had an at-fault accident in years, it might not be worth the extra cost. But then again... all it takes is one dumb mistake and your rates could skyrocket.
Don’t feel bad about being confused—insurance stuff is designed to make us feel that way, I swear.
Honestly, I’ve paid for accident forgiveness before and it felt like tossing money out the window. If you’re already paying higher premiums (like me), adding more for a “maybe” just stings. Unless you’re super accident-prone, I’d skip it and stash that cash for emergencies.
I get where you’re coming from, but I’ve seen both sides. Had a buddy with a ‘72 Chevelle who got rear-ended—first accident in decades—and his rates shot up for years. Accident forgiveness would’ve saved him a pile. But if you’re already paying through the nose, yeah, it’s hard to justify tacking on more for something that might never happen. Guess it depends if you’re the type who likes rolling the dice or not. Ever had an at-fault claim yourself? That’s usually the real test.
I hear you—insurance is such a gamble sometimes. I’ve never had an at-fault claim, but I do keep a little spreadsheet to compare what I’d pay extra for accident forgiveness versus what I’d save if something went sideways. For me, it’s usually not worth it since my driving record’s clean and I’d rather stash the difference in a rainy day fund. But then again, one mistake and that math changes fast. Has anyone actually done the numbers after an accident? Curious how it played out long-term...
