I hear you on the city driving roulette—Cleveland’s got more potholes than my grandma’s colander, and the drivers aren’t much better. That bit you mentioned,
—man, that’s the truth. I once tapped a guy’s bumper at a red light (barely a scratch), and my rates jumped like I’d driven through his living room.“One little mishap and the insurance company acts like you’re suddenly a huge risk.”
Accident forgiveness sounded like a scam to me at first, but after that, I started looking at it like paying for peace of mind. It’s not cheap, but neither is getting dinged for years over a fender bender. Out in the sticks, maybe you can risk it, but in the city? Between the stop-and-go and surprise cyclists, it feels like I’m just waiting for my number to come up.
Still, I wish they’d look at the big picture. Ten years of clean driving and one tiny mistake shouldn’t make you public enemy number one. But hey, insurance logic is its own special math...
- Totally get where you’re coming from. Insurance math just doesn’t add up sometimes—one little scrape and suddenly you’re a “risk.”
- I used to think accident forgiveness was just another way for them to squeeze more money out of us, but after my neighbor’s kid rear-ended someone and his rates doubled, I started seeing the value.
- In Ohio cities, with all the unpredictable stuff on the roads, it’s almost like paying for a buffer against bad luck.
- Still bugs me that years of good driving can get wiped out by one mistake, but I guess that’s just how the system works... for now.
- Hang in there—sounds like you’re doing everything right, even if the insurance companies don’t always see it that way.
I hear you on the frustration—one lapse and years of careful driving can feel like they’re out the window. I’ve always been pretty cautious, but even then, stuff happens that’s just out of your hands. I’ve wondered if accident forgiveness is really worth the extra cost, though. Has anyone actually had it pay off in Ohio? Or does it just end up being another line item on the bill most years?
