"If you're careful and rarely file claims anyway, it's probably smarter to put that money toward maintenance or upgrades...especially on classics."
Fair point, but I think accident forgiveness might still have value even if you're cautious. I'm new to driving myself, and honestly, unexpected stuff happens—like someone sliding into you on icy roads or a deer jumping out. Even the most careful drivers can't control everything. For me at least, paying a bit extra for peace of mind feels worth it...especially while I'm still building confidence behind the wheel.
I get where you're coming from, but honestly, accident forgiveness isn't always the slam dunk it seems. Sure, Ohio winters can be brutal (hello black ice...), and deer practically own some roads around here. But if you're paying extra every month for something you might never use, that money could've gone toward better tires or brakes—stuff that actually helps prevent accidents. Still, if it genuinely eases your mind as a newer driver, that's worth something too. Just don't let 'peace of mind' turn into overspending on coverage you'll rarely need.
Fair points, but have you considered how accident forgiveness might impact your premiums long-term if something does happen? I drive a luxury car, and even minor repairs can get pricey fast. Sure, better tires and brakes help prevent accidents, but what about the stuff you can't control—like someone sliding into you on icy roads or a deer jumping out unexpectedly? Sometimes paying a bit extra monthly could save you from a huge premium hike later...just something to think about.
You're right about luxury cars—those repair bills can sting. But here's the thing: accident forgiveness isn't a free pass. You're essentially pre-paying for that "what if" scenario. Sure, it might save you from a premium spike once, but insurers aren't charities—they'll recoup that cost somewhere else in your policy. Honestly, if you're a cautious driver with a clean record, you might be better off stashing that extra cash into an emergency fund instead. Just my two cents...
I see your point, but honestly, accident forgiveness saved my bacon once. A few years back, I slid on black ice and rear-ended someone—nothing major, but enough to trigger a claim. Without accident forgiveness, my premiums would've jumped quite a bit. Still, you're right that insurers aren't handing out freebies; I probably paid extra upfront for that peace of mind. If you're super careful and rarely drive in risky conditions, it might not be worth it. For me though, Ohio winters being what they are...I'd rather pay a little extra and sleep easier at night.
