I had the same thought when I checked it out a couple years back. Felt like I was paying extra just to avoid something that might never happen. Wonder if anyone's actually saved money long-term by having accident forgiveness?
I've been driving for over 20 years, and honestly, accident forgiveness is one of those things you hope you'll never need, but when you do... you're glad it's there. Had a minor fender-bender about five years ago—totally my fault—and my rates would've jumped quite a bit without it. Did I save money overall? Hard to say exactly, but it definitely saved me from a nasty premium hike. Guess it depends how comfortable you are rolling the dice.
- Totally agree, accident forgiveness is one of those "peace of mind" things.
- Had mine for years, never needed it (knock on wood...), but the thought of a sudden premium spike makes me uneasy.
- Glad yours worked out—definitely better safe than sorry.
"Had mine for years, never needed it (knock on wood...), but the thought of a sudden premium spike makes me uneasy."
Yeah, same here—haven't had to use mine yet either. But I'm curious, does anyone know if accident forgiveness covers minor stuff like parking lot dings, or is it just major collisions? Always wondered about that...
I've looked into this before, and from what I gathered, accident forgiveness typically kicks in for incidents that would normally cause your premium to spike—so mostly at-fault collisions or bigger claims. Parking lot dings or minor cosmetic stuff usually fall under comprehensive coverage or collision with a deductible, and those smaller claims might not even trigger a premium hike in the first place (depends on your insurer though).
"the thought of a sudden premium spike makes me uneasy."
Yeah, same here. I ran some numbers once (because I'm that guy who overthinks everything, lol), and it seemed like accident forgiveness was worth it if you're worried about one big "oops" moment. But if you're mainly concerned about minor scrapes and dings, you might be better off just setting aside some cash for repairs instead of paying extra premiums every month. Just my two cents...
