What is Accident Forgiveness? Accident Forgiveness is an additional coverage that you may qualify for that can be added to your auto insurance policy, where your price won't go up due to your first accident. You may be eligible for this benefit if you have 5 years of accident-free driving.
How does accident forgiveness work in Massachusetts?
If your insurance policy has an accident forgiveness feature, the insurance company agrees not to factor an accident into the calculation of your premiums. Some insurance companies also use accident forgiveness as an incentive to new customers for switching from another insurer.
How long does an accident stay on your record in CT?
Car insurance after an at-fault crash in Connecticut A serious incident like an at-fault collision will stay on your insurance record for as long as three years
Why is there no accident forgiveness in California?
Accident forgiveness is not available in California because a 1988 law, Proposition 103, made it illegal for insurers to charge excessive rates. The law indirectly bars insurers from offering accident forgiveness in California because drivers would be charged higher rates to offset the cost of forgiven accidents.
How does accident forgiveness work in Ontario?
If you've been accident-free for the last 6 years (no at-fault or partially-at-fault accidents) and you have Accident Forgiveness coverage on your car insurance policy, we'll "forgive" you for your first accident. This means that when your policy renews, your premium won't be impacted based on that accident.