Who Qualifies for Accident Forgiveness Coverage?
To qualify for earned accident forgiveness, you should meet the following criteria:
- No major violations on your record
- Existing American Family customer for five years
- No at-fault accidents in the last five years***
And, if you’re switching from another auto insurance to American Family and have at least five years of accident-free driving for all drivers on your policy with your most recent carrier, we’ll honor those years you’ve earned! That way, you keep what you’ve earned even when you switch insurance companies. It’s our way of helping you protect what matters most.
Is Accident Forgiveness Insurance Coverage Worth It?
We think so! With accident forgiveness coverage, you’ll benefit from:
- Avoiding premium increases in the event of an at-fault accident
- Feeling a greater sense of security on the road
- Keeping your good driver discount
- Saving on your premium in the event of the unexpected
Let’s break down why you need accident forgiveness coverage even further:
If you’ve been accident free for five or more years, you’ll qualify for accident forgiveness and avoid a rate increase following your first at-fault accident. Things happen! We want to ease your worry that you’ll be penalized after an accident and give you more control to prepare for the unexpected.
To put it into perspective, say you get into an accident and your vehicle is totaled. You file a claim on your car insurance so you can replace your damaged car — remember, filing a claim typically leads to your premium going up. But, since this is your first accident in five years or more, you’ve qualified for accident forgiveness coverage and your claim won’t affect your car insurance premium, meaning you can keep paying the same amount you usually do.
Stay Protected With Accident Forgiveness Coverage
We believe your good driving habits should pay off! If you and the drivers on your policy have been accident and major violation-free for five consecutive years, you may qualify for earned accident forgiveness on your auto insurance policy. Or you can purchase this coverage for an affordable price. Connect with your American Family Insurance agent to learn more about accident forgiveness and adding it to your policy.