I see your point, but honestly, accident forgiveness saved my bacon a couple years back. Had a small fender bender near Columbus—totally my fault, I'll admit—and my rates didn't budge at renewal. Sure, it might only cover one incident every few years, but for someone like me who does road trips regularly, that peace of mind is worth it. Guess it really boils down to how much you're driving and your luck (or lack thereof...) behind the wheel.
"Sure, it might only cover one incident every few years, but for someone like me who does road trips regularly, that peace of mind is worth it."
That's a fair point, though I wonder if relying on accident forgiveness might inadvertently encourage riskier driving habits. Have you noticed any change in your driving behavior since getting it?
I get the peace of mind angle, especially on road trips. Had a client once who was super cautious normally, but after getting accident forgiveness, he admitted to me he caught himself being a little less careful at intersections... just something to keep in mind.
"he admitted to me he caught himself being a little less careful at intersections..."
Haha, that's exactly why I'm on the fence about accident forgiveness. I mean, it's great for peace of mind, sure, but if it subconsciously makes you more relaxed behind the wheel... maybe not the best trade-off? Honestly, I've seen people get it and never need it, and others skip it and regret it later. Personally, I think if you're already cautious by nature, you're probably better off investing in something else—like roadside assistance or a better playlist for those long Ohio drives (because boredom is the real danger out there).
"if it subconsciously makes you more relaxed behind the wheel... maybe not the best trade-off?"
Good point—I commute daily through Columbus traffic and honestly, accident forgiveness never crossed my mind. Seems like it could encourage complacency. I'd rather spend extra on better tires or brakes...
