"you're basically paying extra to cover someone else's mistakes."
Yeah, that's pretty much spot-on. I've handled plenty of claims around Columbus, and honestly, accident forgiveness can be a mixed bag. If you're the cautious type with a clean record, you're essentially betting against yourself. Insurance companies aren't charities—they've done the math, and usually, they're coming out ahead.
On the flip side, I've seen careful drivers get blindsided by someone else's reckless move on 270 or downtown during rush hour. Even if you're cautious, accidents aren't always avoidable. Still, I agree it's worth crunching numbers first. Personally, I'd rather stash away some cash for emergencies than pay extra every month for something I might never use... but hey, that's just me being cautious.
Good points all around, but here's something else to think about—what if you're driving a classic or collector car? Would accident forgiveness even make sense then, or would agreed-value coverage be the smarter move? Curious what others think...
Honestly, accident forgiveness feels kinda pointless if you're already going the agreed-value route. I mean, if you're driving something collectible or vintage, your main worry isn't really a premium hike—it's getting properly reimbursed if something goes sideways. Had an uncle with a mint '68 Mustang, and when he got rear-ended, the agreed-value policy saved his butt big time. Accident forgiveness wouldn't have done squat for him there...
I get your point, but accident forgiveness isn't totally useless. Had a minor fender-bender in my daily driver last winter—icy roads, you know how Ohio gets—and it saved me from a premium spike. Different story for classics, sure, but for everyday cars, it can help.
Yeah, I hear you on that one. Accident forgiveness can definitely come in handy, especially in places like Ohio where winter driving is basically a survival sport. I've seen plenty of claims where folks were super relieved they had it—especially after minor slips on black ice or those sneaky parking lot bumps. Sure, if you're driving a classic or something collectible, it might not be as relevant since you're probably extra cautious anyway and might have specialized coverage. But for the average daily commuter dealing with unpredictable weather and crowded roads, it's a solid safety net. Even if you're a careful driver, you can't control what everyone else does—or how slick the roads get. So yeah, it's not for everyone, but from my perspective, having that peace of mind can be worth the extra few bucks each month.
