Yeah, that's the tricky thing with insurance around here. Had a similar issue myself—someone backed into my '68 Mustang at a parking lot meet-up, totally their fault, but premiums still went up. Accident forgiveness might've saved me some headaches... hindsight's 20/20 though.
I'm currently shopping around for my first insurance policy, and accident forgiveness is something I've been seriously considering. From what I've gathered, it seems especially valuable in Ohio since we're an at-fault state—meaning even minor incidents can bump up premiums. Your Mustang story definitely reinforces my cautious approach... I'd rather pay a bit extra upfront than deal with unexpected hikes later. Still, it's tough weighing the added cost against potential savings down the road.
Totally agree with your cautious approach here—especially in Ohio. Accident forgiveness might seem like an extra expense at first, but trust me, one minor fender-bender and you'll see premiums spike way more than you'd expect. Had a client last year who skipped it to save a few bucks, then had a tiny parking lot scrape... ended up costing him hundreds extra annually. It's one of those things that feels unnecessary until you actually need it. I'd say it's worth the peace of mind alone.
I learned this lesson the hard way myself a couple years back. Thought accident forgiveness was just another upsell, so I skipped it to save some cash. Then, on a road trip through Ohio (ironically enough), I had a minor bump at a gas station—barely noticeable damage, honestly. But when renewal time came around, my premium jumped significantly. Took me two years of careful driving to get it back down to where it was before.
Now whenever friends ask me about insurance add-ons, I always tell them to think carefully about accident forgiveness. Sure, you might never need it... but if you do, you'll be glad it's there. It's like packing an extra tire on a long drive—you hope you won't use it, but you're relieved it's there if things go sideways.
"Thought accident forgiveness was just another upsell, so I skipped it to save some cash."
I get why you'd skip it—I usually do the same. But now you've got me wondering...does anyone know if accident forgiveness is even an option for high-risk drivers in Ohio? Seems like insurers might limit it.
