I'm in the same boat as a first-time insurance buyer, and honestly, accident forgiveness feels more like paying extra for "just-in-case" anxiety relief. My question is, how often do people actually use it? I mean, sure...
"Ohio winters can be sneaky..."
but isn't that why we have comprehensive coverage anyway? Still, I get the peace-of-mind argument. Guess I'm just skeptical about shelling out for something I might never need.
I get where you're coming from, but comprehensive coverage doesn't always cover you the way you think it might. Learned that the hard way a couple winters back. I slid on some black ice—classic Ohio move—and tapped a mailbox. Nothing major, but enough to ding my record and spike my rates. Accident forgiveness would've saved me from that headache.
Still, I hear you about paying extra for something you might never use. It's like buying an extended warranty on electronics—feels unnecessary until your laptop fries itself two days after the regular warranty expires (been there too...). If you're a cautious driver with a clean record, maybe it's not worth it. But if you're like me, prone to the occasional slip-up or just unlucky sometimes, it can pay off in the long run. Guess it depends how much you trust your luck behind the wheel...
Yeah, I feel that. Accident forgiveness always seemed like a gimmick to me until my buddy rear-ended someone downtown Columbus—just a minor fender-bender, but his rates shot up big-time. Made me reconsider... guess it's all about your comfort level with risk.
Honestly, I'm still figuring this out myself (first-time insurance buyer here, yay adulting...), but here's my two cents from what I've gathered so far:
- Accident forgiveness always sounded like one of those cheesy insurance commercials to me—like, "Hey, pay us extra now, and we promise not to punish you later... maybe." But after hearing your buddy's Columbus fender-bender story, I'm starting to rethink my skepticism a bit.
- I mean, Columbus traffic is no joke. I swear, every time I drive downtown, it's like playing bumper cars with people who forgot how blinkers work. So, realistically, even if you're a careful driver, accidents can happen pretty easily around here.
- On the flip side though, isn't accident forgiveness basically just paying upfront for something you might never use? Like buying an extended warranty on a toaster—sounds smart until you realize you've never actually broken a toaster in your life.
- But then again, knowing my luck, the second I skip accident forgiveness, I'll probably back into a parked car or something equally embarrassing. Murphy's law and all that.
- I guess it really boils down to how much peace of mind is worth to you personally. If you're the type who loses sleep worrying about rate hikes after a minor scrape, maybe it's worth it. If you're more of a "cross that bridge when I get there" person, maybe not.
Anyway, still undecided myself. Probably gonna flip a coin or something equally scientific when the time comes to sign up.
"I mean, Columbus traffic is no joke. I swear, every time I drive downtown, it's like playing bumper cars with people who forgot how blinkers work."
Haha, nailed it. Honestly, accident forgiveness is one of those things you hope you'll never need, but when you do, you're glad it's there. I've been commuting through Columbus for years, and even careful drivers get caught up sometimes. It's really about your comfort level—if it helps you stress less behind the wheel, it's probably worth considering.
