“the peace of mind is worth it—especially with how unpredictable these roads get.”
- Been there with the black ice—my car’s got more dings than a shopping cart at Walmart.
- Accident forgiveness saved my butt after a fender-bender last February. Rates stayed the same, which was a shock.
- Not cheap, but honestly, my nerves are worth more than a few extra bucks.
- Only thing I’d say—double-check if your company actually forgives the first accident or just “considers” it. Learned that the hard way once...
Had my fair share of close calls on icy mornings—Ohio winters don’t mess around. I went for accident forgiveness after a buddy’s rates shot up from a minor rear-end. Haven’t needed it yet, but honestly, just knowing it’s there helps me sleep better. It’s not cheap, but neither is a surprise rate hike. Just wish more companies were upfront about what they actually cover... some of that fine print is wild.
Just wish more companies were upfront about what they actually cover... some of that fine print is wild.
You’re not kidding about the fine print. I remember thinking I was covered for everything, then found out my ‘72 Chevelle’s “classic” status meant a whole different set of rules. Had to argue with the agent for half an hour just to get straight answers. Accident forgiveness sounds good on paper, but if you drive anything older than your neighbor’s lawnmower, better double-check what they mean by “accident.” Sometimes it feels like they’re just waiting to trip you up.
Title: Is Accident Forgiveness Really Worth It In Ohio?
- That fine print is no joke. I swear, half the time I feel like I need a law degree just to figure out if my daily driver’s covered for a fender bender or just “acts of God” and pothole damage (which, let’s be real, is every other block around here).
- I’ve had accident forgiveness for a couple years now—mostly because my wife convinced me it was worth the extra $5/month. Haven’t actually “used” it yet, but I keep wondering if it’s more of a marketing trick than anything else. Like, are they just banking on us never needing it?
- Had a buddy who rear-ended someone in a parking lot (barely a scratch), and his rates still went up even though he had the forgiveness thing. Turns out, his company only forgave “at-fault” accidents over a certain dollar amount. Anything under that? Not covered. Wild.
- I do a ton of highway miles for work, so part of me likes the peace of mind. But then again, every time I renew, the price creeps up anyway. Maybe it’s just Ohio, but does anyone actually feel like they’ve come out ahead with this stuff?
- Also, does it even matter what car you drive? My old Civic isn’t exactly a collector’s item, but I’ve heard some companies treat older cars differently when it comes to claims and forgiveness. Anyone else run into weird rules depending on the age or type of car?
Honestly, half the time I feel like accident forgiveness is just another way for them to squeeze a few more bucks out of us. But maybe I’m just cynical from too many rush hour traffic jams... Has anyone actually had it save their bacon after a real accident, or is it mostly just “peace of mind” you’re paying for?
I get the skepticism, but I actually think accident forgiveness can be a decent safety net—especially if you rack up miles like I do. The thing is, yeah, the fine print is a pain, but if you’re unlucky enough to have a real at-fault accident, that first “freebie” could save you hundreds over a few years. I had a coworker who got rear-ended (not his fault, but still), and his rates jumped because the other driver’s insurance dragged their feet. If he’d been at fault, that forgiveness would’ve paid for itself fast. For older cars, though, I’d double-check if it’s even worth it—sometimes the premium bump after an accident isn’t as bad as you’d think. It’s not for everyone, but I wouldn’t call it a total gimmick.
