Interesting, didn't realize wildlife collisions could be comprehensive. Had a similar thing happen with a raccoon—didn't cause much damage, but insurance still covered it without raising my rates. Makes me wonder though, does accident forgiveness usually cover minor fender-benders in parking lots too, or is it mostly for bigger stuff? I've always skipped it to save money, but now I'm second-guessing myself...
I've wondered the same thing myself. Accident forgiveness always seemed like one of those extras insurance companies push to bump up your bill a bit. I've skipped it too, figuring I'd rather pocket the savings and just drive carefully (fingers crossed, haha). But your raccoon story makes me think twice... I mean, if something minor like that gets covered without a rate hike, maybe accident forgiveness could be handy for those annoying parking lot scrapes too?
Still, I guess it depends on the fine print. Some insurers might only forgive bigger accidents, while others might cover smaller stuff. Probably worth a quick call to your agent to clarify. Personally, I'm still leaning toward skipping it—feels like paying extra for something I might never use—but now you've got me curious enough to double-check my policy details.
Same here, always figured accident forgiveness was just another upsell. But after my neighbor backed into my parked car (twice... seriously?), I started thinking it might've saved me some headaches. Still not convinced it's worth the extra cash, but definitely checking the fine print now.
"Still not convinced it's worth the extra cash, but definitely checking the fine print now."
Yeah, I hear you. I've had insurance forever and always skipped accident forgiveness, figuring careful driving would be enough. But now I'm wondering—does anyone know if one forgiven accident still affects your rates down the line? Seems like there's always a catch...
Good point about the fine print—I wonder how accident forgiveness plays out if you switch insurers later on. Like, does the forgiven accident still go on some kind of shared insurance record that other companies see? Or is it totally wiped clean? Always feels like insurers have hidden ways to track stuff, even when they say it won't affect your rates directly...