I totally get where you’re coming from—peace of mind is a big deal, especially with Ohio winters. I commute daily, and honestly, I never thought much about accident forgiveness until last year when I tapped someone’s bumper in rush hour. My insurance didn’t offer forgiveness, and my rates jumped a lot more than I expected. Made me wish I’d paid for the extra coverage, even though it always seemed like a “just in case” thing before. Does anyone else feel like the stress of driving in unpredictable weather almost makes it worth it? Or am I just too cautious?
Honestly, I don’t think you’re being too cautious at all. After seeing how much a single fender bender can impact someone’s rates, I’d say accident forgiveness is worth considering—especially with Ohio’s unpredictable weather. It’s one less thing to stress about when the roads get slick.
After seeing how much a single fender bender can impact someone’s rates, I’d say accident forgiveness is worth considering—especially with Ohio’s unpredictable weather.
I get where you’re coming from, but I’m still a bit on the fence. Accident forgiveness sounds great in theory, but sometimes I wonder if the extra cost is really justified, especially if you’ve got a clean record. Then again, with the way people drive when it starts snowing here... maybe it’s just paying for peace of mind. I guess it depends on how risk-averse you are—or how much you trust your luck during the first snowstorm of the year.
I guess it depends on how risk-averse you are—or how much you trust your luck during the first snowstorm of the year.
- Clean record here, but with two kids in the car I’m not leaving it to luck.
- Ohio winters are brutal. Even careful drivers get caught out.
- For me, the extra cost is worth not stressing every time the roads get icy.
- It’s not just about your driving—other people slide into you, too. Seen it happen in my neighborhood more than once.
Accident forgiveness is one of those things I didn’t used to care about, but after last January, I’m not skipping it again. Here’s what happened: I was creeping along in traffic, doing everything right, and some guy in a pickup just slid right into my back bumper. Kids were both in the car, thankfully no one was hurt, but the hassle with insurance was brutal. My rates went up even though it technically wasn’t my fault—insurance companies love their “shared blame” thing around here.
If you’ve got a clean record, it feels like wasted money until you see how fast one dumb incident can mess that up. Especially with kids, there’s no way I’m rolling the dice. Ohio ice doesn’t care how careful you are. I’d rather pay a bit extra and not get hammered on premiums after some random slide-out. It’s not perfect, but it’s less stress, and honestly, I need less stress in my life.
