Man, I feel this one in my soul. I swear, if there’s a deer within a five-mile radius, it’s got my license plate memorized. I’ve had more “oh no” moments on those back roads than I care to admit. My record isn’t exactly spotless—let’s just say my insurance agent knows me by voice at this point.
Here’s the thing: accident forgiveness is kind of like that weird umbrella you keep in your trunk. Most days it just takes up space, but the one time you actually need it, you’re pretty glad it’s there. After my second fender bender (not even my fault, unless you count being in the wrong place at the wrong time), my rates went through the roof. If I’d had accident forgiveness back then, I’d probably still be able to afford name-brand cereal.
But yeah, it’s not cheap. And if you’re one of those unicorns who never gets into scrapes, maybe it feels like wasted money. For me, though? With my luck and the way Ohio wildlife seems to have a personal vendetta against me, I’d rather pay a little extra for peace of mind. It’s less about confidence in my own driving and more about knowing that sometimes life just throws a raccoon at your bumper when you least expect it.
I totally get wanting to save cash if you’re careful and haven’t had any incidents. But if you’ve got a history (or just bad luck), that forgiveness can be a lifesaver. At the end of the day, it’s all about how much risk you’re willing to roll with... or how many times you want to explain yourself to your insurance company over coffee.
Yeah, I get where you’re coming from. After dropping a chunk of change on repairs for my last car (thanks, random tree branch), I don’t mess around anymore. Accident forgiveness isn’t cheap, but neither is fixing a luxury bumper. If you’ve got a history or just bad luck, it’s worth it for the peace of mind alone. Sometimes you just have to accept Ohio roads are out to get you...
I’ve been weighing this exact thing since I started shopping for insurance. My dad keeps telling me accident forgiveness is just another way for companies to get more money, but honestly, after seeing my neighbor’s rates skyrocket from a fender bender, I’m not so sure he’s right. Ohio weather’s unpredictable and the roads aren’t always great—one icy morning and you’re in a ditch. For me, the extra cost feels like a safety net, even if I never use it. Peace of mind counts for something, right?
Honestly, I get where you’re coming from. My uncle’s insurance jumped almost $70 a month after a minor rear-end last winter, and he’d been driving for decades with a clean record. It made me rethink the whole “just another way to get your money” argument. I’m still a new driver, and even though I’m careful, black ice doesn’t care how many hours you’ve logged behind the wheel. For me, paying a bit extra for accident forgiveness feels like cheap insurance against a massive rate hike down the road. It’s not perfect, but I’d rather have that buffer than risk it.
I’ve wondered about this too, especially since I’m still figuring out how insurance even works. My cousin had a fender bender last year and her rates went up a ton, even though she wasn’t technically at fault. Does accident forgiveness actually kick in after your first accident, or are there weird exceptions? I keep hearing mixed things—like some companies only offer it if you’ve been with them for years. It’s kind of wild how one little mistake can mess with your budget for ages.
