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. Get an even larger discount when you reach 5 years.
Does ICBC have first accident forgiveness?
Crash forgiveness We know that crashes do happen, so we will forgive one crash after 20 years of driving experience (at least 10 in B.C.), provided you have been crash-free for the last 10.
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.
How long does an at fault accident stay on your record in Alberta?
If another driver caused the accident, your premium won't increase because of the claim. But if you're deemed to be at fault, you can expect the accident to be on your record—and affect your premiums for up to six years.