Is Accident Forgiveness Car Insurance Right For You?
Some California car insurance companies are ready to go in the modern day with new offers, while others are still falling behind. I find that a good way to check if a car insurance company is up to the times and actually cares about its customers, is to ask if it offers accident forgiveness. Most car insurance companies do, but there are different ways that you can go about getting this perk.
- Do nothing.
My favorite type of car insurance company is the kind that gives you accident forgiveness with no requirements. There are many companies, such as AllState, who do these, even for brand new customers. They will forgive your first at fault accident, and sometimes your first moving violation as well, so even if you haven’t built up a record with them you won’t see your insurance premium increase after an accident.
- Earn it.
This is another common form of accident forgiveness. Some companies will reward you by letting your first at fault accident or moving violation go without a premium increase if you have been a long time customer with a good history with them and a previously clean driving record.
- Pay for it.
Here you have the kind of accident forgiveness that you want to avoid entirely. There is the occasional car insurance company that will require you to pay a little extra on you car insurance premium if you want to include accident forgiveness on your policy. However, in all of its incarnations I have seen that it only forgives for one accident, just like all the others. If they want you to pay for it, maybe they should offer a little more?
Another thing about this kind is that it is self defeating. You want accident forgiveness so that you don’t have to have your premium increase. If you pay extra for accident forgiveness, it’s as if you never had it and had gotten into an accident right away.
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