I hear you on the Ohio ice—had a ‘72 Cutlass nearly fishtail into a mailbox last winter. Accident forgiveness is tempting, but I’ve found the premium hike isn’t always justified if you’re already cautious. Still, that “what if” factor is tough to ignore...
- Totally get the “what if” anxiety, especially with Ohio winters.
- Accident forgiveness can be a lifesaver if you’ve got a clean record and then have one slip-up—seen plenty of folks relieved after a fender bender.
- But yeah, premiums can jump, and if you’re already careful, you might just be paying for peace of mind.
- If you’ve got a newer car or a long commute, it might be worth it. For older rides or low mileage, maybe not so much.
- Honestly, I’ve seen more people regret not having it than regret paying a little extra... but it’s definitely not one-size-fits-all.
I hear you on the “what if” anxiety—Ohio winters are no joke, and even careful drivers can get caught off guard. I drive a lot for work, and honestly, that peace of mind is worth a few extra bucks to me. One icy morning, I slid into a curb and was so glad I had accident forgiveness... but I get that if you barely drive or your car’s older, it might feel like overkill. Do you ever wonder if the insurance companies just bank on us being nervous? Still, I’d rather pay a little more than stress every time the roads get slick.
Do you ever wonder if the insurance companies just bank on us being nervous?
That’s exactly what gets me. I drive a ton for work too, but sometimes I feel like accident forgiveness is just another way for them to squeeze a few more bucks out of us. I mean, sure, it’s nice to have after a close call, but how often does it actually pay off? I keep thinking—if you’re a careful driver and haven’t had an accident in years, are you just paying for peace of mind you might never use? Or am I just being too optimistic about my luck...
Is Accident Forgiveness Really Worth It In Ohio?
- Just started shopping for insurance and this is one of those things that keeps popping up.
- I get the idea—mess up once, they “forgive” you, but you’re paying extra for it every month?
- Feels a bit like buying an umbrella in the desert... maybe you’ll need it, but probably not.
- I haven’t had an accident (yet), but I’m not sure if I’m just tempting fate by skipping it.
- Anyone actually had to use accident forgiveness? Did it really save you money, or was it just a nice-sounding add-on?
- Part of me thinks they know we’re all just a little paranoid about that “what if” moment.
