What Do I Have To Do To Get Accident Forgiveness from My Pennsylvania Auto Insurance Carrier?

When you’re talking about your auto insurance, regardless of which Pennsylvania auto insurance carrier you happen to be using, it all boils down to one thing-if you get busted putting scuffs on your driving record (such as the kind that come with rear ending someone in a crowded mall parking lot in the middle of the Christmas rush) you’re going to watch your insurance rates go flying up. It only takes once-unless you’ve managed to get accident forgiveness added on to your policy, in which case you might be able to talk your insurance company into giving you a freebie in exchange for many years of flawless driving skills.

What is Accident Forgiveness?

Before we get into the specifics of what you have to do to get accident forgiveness on your auto insurance policy, let’s talk about what accident forgiveness is. Every time you cause an accident your rating with your insurance company is going to go plummeting. Plummeting ratings=climbing rates, which is something your checkbook definitely doesn’t need-especially in today’s already stressed out economy! But facts are facts-your rates are going to go flying up after you’ve been in an accident, no matter which Pennsylvania auto insurance carrier you happen to be working with.

Or will they?

With accident forgiveness you can enjoy minimum rate changes after your first accident, rescuing you from the consequences of a moment of inattention, faulty brakes, ridiculous amounts of traffic or having to be out and about before the sun comes up. (How many people are at their best at that time of the morning anyway?)

A single at-fault accident can kill your auto insurance rates. Accident forgiveness can bring them back.

How to Get Accident Forgiveness Added to Your Pennsylvania Auto Insurance Policy

While accident forgiveness isn’t reserved for the elite upper crust of the insurance industry, there are a couple of guidelines every driver needs to know before they start to breathe easy. First and foremost, although most companies that offer accident forgiveness include it as a part of their standard auto insurance coverage, some ask you to pay for it first. If you’re sitting and debating whether or not the extra cost is worth it, take a second to think about what you’re going to have to pay after you’ve been in an accident.

When you weigh an extra $200-300 dollars a year with a potential 40% increase in the rates your Pennsylvania auto insurance carrier is going to enforce after you’ve been in an accident, it doesn’t seem too bad!

Secondly, accident forgiveness is usually reserved for drivers with a five year good driver discount, since they’re at the lowest risk for having an accident in the first place. They’ve earned a little wiggle room! Forgiven doesn’t mean forgotten, however. If you’ve had an accident forgiven and you decide to switch your coverage over to another Pennsylvania auto insurance company you may still find yourself paying higher rates.

Accident forgiveness is a beautiful thing when you’re talking about rescuing your auto insurance rates after an accident, so if you haven’t got it today would be a great day to start!

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