Accident Forgiveness Insurance


Accidents can happen to any of us on the roadways at any time. Although car accidents can happen in the blink of an eye, the impact can last much longer than just those few minutes. Beyond the clash that can leave physical and emotional scars on drivers, there’s also the financial burden that can lead to costly repairs, higher insurance premiums, and a mark on our driving record.

There are various factors that play a role in how much an insurance premium could increase after an accident and are determined on a case-by-case basis. Factors that play a role in determining how much car insurance premiums could raise to by renewal include the severity of the collision at hand and the driving record in question.

Due to the discouraging impact car accidents can have on car insurance rates, standard car insurance carriers offer what is known as accident forgiveness insurance to predetermined low-risk drivers.


Accident forgiveness car insurance is a type of protective coverage major car insurance companies’ market to current customers of theirs that have been accident-free for three to five years. In other words, accident forgiveness is solely a retention tool, and not a new client attraction.

Although each major insurance carrier has unique guidelines around the specifics of accident insurance, in general; this type of coverage is meant to safeguard low-risk drivers’ premium from increasing upon renewal.


Accident forgiveness is a car insurance carrier’s way to provide low-risk drivers with the same rate upon renewal after they’ve endured one car accident under the coverage. However, accident insurance does not cover any additional accidents past that. This means that the accident in question will still get recorded on their driving record, which could impact future policies.

As accident forgiveness is only available to a niche population, made up entirely of pre-determined low-risk drivers by major insurance companies, which insurance carrier is there for the rest of us?


At SafeAuto, we know that getting into an accident evokes tremendous stress in the moment and after the fact, especially when it comes to figuring out how your car insurance coverage will be impacted.

When it comes to accident insurance, the components that major carriers review to determine if a driver qualifies for this additional coverage are the same factors we refer to when providing every driver with the most affordable rate possible.

That’s why SafeAuto specializes in providing non-standard coverage for drivers with less-than-perfect driving records with state-minimum car insurance that matches your needs, no matter what.

That’s because SafeAuto IS the insurance for the rest us.

If you, like everyone else, deserve insurance you can trust, then you’re the rest of us. Get a Free Quote Online or call us at 1-800-SAFEAUTO (1-800-723-3288)

Info creds: Safe Auto