I commute daily through Columbus, and honestly, accident forgiveness saved me from a massive headache once. About two years ago, I got rear-ended downtown near Broad Street—nothing major, but enough to file a claim. Without accident forgiveness, my premiums would've jumped significantly (my agent showed me the numbers afterward...yikes).
If you're already paying higher rates, yeah, it might not be worth the extra cost. But if you've got a decent driving record and you're out on busy highways regularly (like me, unfortunately), it's kind of reassuring knowing one small slip-up won't wreck your budget for years. Just double-check the fine print, though—some policies limit forgiveness to one accident every few years or have other sneaky conditions.
Bottom line, weigh the extra cost against your driving habits and peace of mind. For me, it's been a worthwhile safety net.
I've been driving around Ohio forever, and accident forgiveness is one of those things you don't think you need...until you do. A few points from my experience:
- If your record's squeaky clean, it can feel like wasting cash, but one little bump on I-71 at rush hour can change that real quick.
- Definitely agree about checking the fine print—some insurers sneak in tricky clauses.
- Honestly, for me, it's been worth the peace of mind. Columbus traffic can be nuts, and knowing one mishap won't spike my rates helps me relax a bit behind the wheel.
