Accident Forgiveness in Beaufort, NC & Morehead City, NC
For even the most experienced and careful drivers, accidents may be inevitable. In the wake of incidents on the road, you could face significant financial ramifications, even if you have adequate auto insurance. But what if your car insurance could forgive you for it? This is where accident forgiveness insurance emerges as a potentially valuable investment.
What Is Accident Forgiveness Insurance? 
Accident forgiveness insurance is optional in many car insurance policies and may protect you from increased premiums following your first at-fault accident. Having this coverage within your auto insurance may provide you with a clean slate, allowing you to avoid significant financial ramifications from a single mistake. This feature is often part of a broader accident forgiveness program many insurance companies offer.
How Does Accident Forgiveness Work?
The accident forgiveness coverage of an auto insurance policy generally works by ensuring that your premium doesn’t increase after your first at-fault accident, as outlined in the policy. It’s important to note that this feature usually applies to your first accident only; subsequent accidents may still result in a premium increase. Furthermore, some policies may only forgive the first at-fault accident committed by any driver listed on the policy, not each driver’s first offense. Multiple drivers sharing a policy, such as spouses or a parent with a teen driver, should review policy language to understand these and other details that may apply.
Accident forgiveness is not automatically included in all auto insurance policies; it’s often offered as an optional add-on or a reward for long-term customers with a clean driving record. A policyholder’s accident forgiveness cost can vary depending on unique circumstances, including their insurance company and driving history.
We’re Here to Help
Car insurance with accident forgiveness can be a useful feature for drivers. Knowing that one mistake won’t cause your premiums to soar can provide valuable financial relief and peace of mind.
With a history of service dating back to 1952, the team at Willis Insurance is well-versed in the world of auto insurance and can help you learn more about accident forgiveness coverage. Contact us today to learn more.