I’ll admit, accident forgiveness has saved my bacon more than once—let’s just say parallel parking isn’t my strong suit. In my case, the extra cost was worth it, especially with a less-than-perfect record. But if you’ve got a clean slate and nerves of steel, maybe it’s just another way for the insurance folks to pad their wallets. With a teen driver, though... I’d probably pay for the peace of mind, even if it feels like buying lottery tickets you hope never to use.
With a teen driver, though... I’d probably pay for the peace of mind, even if it feels like buying lottery tickets you hope never to use.
That’s pretty much why we added it when our oldest started driving—felt like cheap insurance against a rate spike after the inevitable fender bender. Before that, I skipped it to save a few bucks. For us, the “lottery ticket” paid off when my kid tapped a mailbox. Not sure I’d bother if it was just me, though.
I get the logic, especially with a new driver in the mix. When my son got his permit, I looked into accident forgiveness too, but the extra monthly cost just bugged me. Ended up skipping it, though now I’m second-guessing since he scraped our neighbor’s fence last month. The repair wasn’t awful, but I keep wondering if the rate hike will sting more over time. Anyone in Ohio actually seen their premiums jump way up after a small claim? Sometimes it feels like these add-ons are more about peace of mind than actual savings...
