That's a solid point about checking the fine print. I remember when my wife backed into a mailbox (don't ask...) and we thought accident forgiveness would have our backs. Turns out, our policy had a hidden clause about property damage limits. We still ended up paying out of pocket. Lesson learned—always double-check those sneaky details before assuming you're covered.
"Turns out, our policy had a hidden clause about property damage limits."
Yeah, those sneaky clauses can definitely bite you. But honestly, accident forgiveness saved me big-time when my teen scraped the neighbor's car. Maybe it's more about weighing your personal risk factors than dismissing it altogether...
Accident forgiveness can definitely be a lifesaver, but I've always wondered if the math really adds up for everyone. I mean, insurance companies aren't charities—they've gotta make money somehow, right? So if they're offering accident forgiveness, they're probably factoring that into your premium somewhere along the line.
When I was shopping around last year (I'm in Ohio too), I noticed some companies were pretty transparent about how much extra it cost to add accident forgiveness, while others just bundled it in and didn't really break it down clearly. Made me wonder if it's actually cheaper in the long run to just set aside some cash yourself in case of minor incidents, rather than paying higher premiums every month.
Also, does anyone know if accident forgiveness covers all types of accidents equally? Like, if you have a small fender-bender versus something more serious, is there a difference in how it's applied? I couldn't find clear info on that when I was looking into it.
I guess it really comes down to your driving habits and who's on your policy. If you've got teens or newer drivers, it might make sense. But if you're pretty careful and haven't had an accident in years... maybe it's not worth the extra cost. Curious if anyone's done the actual math on this or has personal experience with different scenarios.
"Made me wonder if it's actually cheaper in the long run to just set aside some cash yourself in case of minor incidents..."
That's honestly a solid point. Accident forgiveness sounds great until you realize you're essentially betting against yourself every month, lol. From my experience (and trust me, I've seen it all), it usually covers most accidents equally—small or big—but always check the fine print. If you're a cautious driver with no teens behind the wheel, might be smarter to stash that extra cash for a rainy day... or a fender-bender day.
I get the logic behind setting cash aside, but honestly, accidents aren't always predictable or minor. Had a buddy who thought the same way—super careful driver, no kids—but then got rear-ended by someone uninsured. His premiums shot up overnight. Accident forgiveness would've saved him a ton of headaches. Not saying it's always worth it, but sometimes peace of mind beats playing the odds... especially if you're driving something pricey.
