I've heard that too, but honestly, the fine print isn't usually hidden—it's just overlooked. Most insurers clearly state accident forgiveness applies only to your first at-fault accident within a certain timeframe. It's not that they're sneaky, but people rarely dig into policy details until they need it. Personally, I skipped it because the extra cost didn't seem justified when I ran the numbers...depends on your driving history and comfort level, though.
I get your point about the fine print—it's usually right there, but who actually reads it until something happens? A couple of years ago, I was debating accident forgiveness myself. I commute daily through Columbus traffic, and let's just say I've seen my fair share of close calls (and coffee spills). Anyway, I decided to add it because my driving record isn't exactly spotless—nothing major, just a fender bender or two over the years. Sure enough, six months later, someone slammed on their brakes unexpectedly, and I tapped their bumper. Thankfully, no one was hurt (except maybe my pride), but having that forgiveness saved me from a premium hike.
Still, I totally get why some people skip it. If you're a cautious driver with a clean record, it's probably not worth the extra cash. But if you're like me—navigating rush hour chaos while juggling your morning latte—it might just pay off in the long run.
I'm with you on the latte juggling—been there, spilled that. But do you think accident forgiveness is still worth it if you've been accident-free for years? Seems like paying extra for something you might never use...
Haha, latte spills are definitely a relatable hazard—my passenger seat has permanent coffee trauma. But seriously, accident forgiveness is kind of like that umbrella you lug around when the forecast says 20% rain. Sure, odds are you won't need it, but when the clouds open up... you're suddenly glad it's there. Have you checked if your insurer offers discounts for staying accident-free without it? Might be a middle ground worth exploring.
I've wondered about this too, especially since I'm still pretty new behind the wheel. Accident forgiveness sounds reassuring, but does it actually save you money in the long run? Like, if you're paying extra every month for something you might never use, wouldn't it be smarter to just stash that cash aside as a safety net? I mean, how much does a single accident really bump up your rates in Ohio anyway... is it enough to justify paying extra upfront? Curious if anyone here has actually had to use their accident forgiveness and felt it was worth the cost.
