I recently had a minor fender bender (totally my fault, sadly) and was pretty worried about my insurance rates going through the roof. But luckily, I remembered I had accident forgiveness with USAA. Honestly, I never paid much attention to it before, just kinda thought it was one of those gimmicky add-ons, you know?
Turns out, it actually saved me from a rate hike. I called them up, expecting some fine print or hoops to jump through, but nope—they were pretty chill about it. No increase, no hassle. So here's my little tip: if you're with USAA and haven't checked if you have accident forgiveness, definitely look into it. Could save you a headache down the road.
Curious if anyone else has had similar experiences or maybe found a catch I didn't notice?
"Honestly, I never paid much attention to it before, just kinda thought it was one of those gimmicky add-ons, you know?"
Yeah, same here—I used to think accident forgiveness was just marketing fluff until my wife had a similar incident last year. USAA handled it smoothly, no hidden catches or anything. One thing worth noting though: it's usually a one-time deal per policy period or every few years, depending on your plan. Definitely handy, but not something you'd wanna rely on repeatedly...
Yeah, same here—I used to think accident forgiveness was just marketing fluff until my wife had a similar incident last year.
I was skeptical too until my son rear-ended someone last summer. USAA's accident forgiveness saved us from a nasty premium hike. Still, like you said, it's definitely not something to lean on regularly—better to just drive safe and avoid the hassle altogether.
"Still, like you said, it's definitely not something to lean on regularly—better to just drive safe and avoid the hassle altogether."
Couldn't agree more. Accident forgiveness is nice as a safety net, but honestly, relying on it feels like playing with fire. I've been with USAA for years and thankfully haven't had to use it yet (knock on wood), but hearing your experiences makes me glad it's there just in case. Still, I always remind my kids that no insurance perk beats careful driving habits. Defensive driving courses can help too—my daughter took one last year, and it noticeably improved her awareness behind the wheel. Might even get you a discount depending on your insurer. Worth looking into if you're serious about avoiding accidents in the first place...
