The Pros and Cons of Accident Forgiveness Auto Insurance | Blog
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The Sanford Group Insurance Blog

The Pros and Cons of Accident Forgiveness Auto Insurance

When you are looking to purchase auto insurance, you may take the time to learn what perks or benefits an auto insurance policy offers. One of the newest perks that some plans are offering is auto accident forgiveness. This means that the insurer will not automatically raise your rates due to your first accident, regardless of whether it is your fault or not. Here are a few of the pros and cons of accident forgiveness auto insurance.

The Pros

The biggest benefit is that you do not have to worry about your auto insurance rates rising because you are involved in a car accident. This can be a huge weight lifted off of your shoulders, as statistically, everyone will be in at least one accident during their lifetime, and when this happens your auto insurance rates go up. This prevents this from happening to you.

The Cons

The biggest con to auto accident forgiveness is that ultimately, everyone’s insurance premiums increase a tiny bit to offset the increase that is normally only given to those who have accidents. As such, everyone is paying for the accident, instead of just the individual who caused the accident. If you are on a tight budget, you may not want the tiny increase in insurance rates to protect you against a what-if situation.

If you are are considering purchasing a new auto insurance policy, The Sanford Group, serving the greater Ball Ground, GA area, can help you determine if auto accident forgiveness is ideal for your needs. From there, they can help you find a plan that has or does not have this feature. Give them a call today for an estimate or to discuss your insurance needs more.

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