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.
Gotta say, Columbus traffic is no joke—especially around rush hour. Ever tried merging onto 270 at 5:30pm? It's like playing a real-life game of Frogger. Accident forgiveness can feel like tossing money away when you're spotless, but man, one fender-bender and suddenly you're thanking your past self. Still, you're spot-on about the fine print. Some insurers make it sound great until you realize it only kicks in after you've been with them forever. Anyone else gotten burned by sneaky clauses?
I've always considered accident forgiveness a bit like that spare tire in your trunk—seems pointless until you're stranded on I-71 in the rain. A few years back, I had a minor scrape with my '69 Mustang (talk about heartbreak...). Thought my premium would skyrocket, but thanks to accident forgiveness, it didn't budge. Just be careful with insurers who sneak in those "loyalty" clauses—you might end up paying extra for coverage you'll never use.
"seems pointless until you're stranded on I-71 in the rain."
This hits home for me. I'm still pretty new behind the wheel, and honestly, accident forgiveness felt like just another upsell at first. But then my older brother had a fender bender last winter—nothing major, just slid on some ice—and his premium jumped way more than we expected. Now I'm thinking it's probably worth the peace of mind, especially with Ohio winters being so unpredictable... Better safe than sorry, right?
