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.
