I've been skeptical about accident forgiveness myself... seems like insurers always find a way to get their money back somehow. But if you're new and worried about rates jumping, it might actually save you some headaches down the road. Did you check how much extra they're charging for it?
I used to think accident forgiveness was just another gimmick too, until my cousin had a minor fender bender last winter. She'd only been driving a couple years, and her rates would've skyrocketed without it. Still, you're right—nothing's ever truly free with insurance companies. I'd say if the extra cost isn't crazy high, it might be worth the peace of mind. But yeah, definitely check the fine print... insurers love sneaking in those hidden catches.
"I'd say if the extra cost isn't crazy high, it might be worth the peace of mind."
I get where you're coming from, but honestly, I've always found accident forgiveness to be a bit overrated, especially here in Ohio. I've been driving classic cars for years, and one thing I've learned is that insurers rarely offer something without making sure they're covered first. Usually, the premium bump you pay for accident forgiveness ends up costing close to what you'd pay after a minor accident anyway—especially if you're a careful driver who rarely files claims.
A couple years back, I had a minor scrape—nothing major, just a dented bumper—and my rates did go up slightly, but nowhere near as dramatically as insurers like to imply. If you're budget-conscious like me, it might make more sense to put that extra money toward building an emergency fund instead. That way, you're covered no matter what happens, without relying on the insurer's fine print.
I get where you're coming from, but honestly, I've always found accident forgiveness to be a bit overrated, especially here in Ohio.
Yeah, I see your point. Accident forgiveness always felt like a bit of an upsell to me. Plus, with classics, any minor claim can get tricky anyway...I'd rather stash that extra cash for parts or unexpected repairs instead.
Good points here. Accident forgiveness can be useful for some, but honestly, in Ohio, insurers already factor in weather and road conditions. If you're careful and rarely file claims anyway, it's probably smarter to put that money toward maintenance or upgrades...especially on classics.
