Who Qualifies for Accident Forgiveness?
To qualify for accident forgiveness, you should have no major violations and have been a customer with us for 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, 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 Worth It?
That depends — do you like saving money? Accident forgiveness offers a great sense of security to drivers on the road, because it helps keep more money in your wallet if the unexpected occurs. Being at-fault for a car accident can cause your insurance premiums to rise by an average of 44 percent — we want to prevent that from happening.* And that’s what we aim to do with accident forgiveness.
Let’s break it down:
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.
Connect With an Agent and Get Accident Forgiveness Today
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.