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Wilshire Law Firm » Practice Areas » Car Accident Lawyers » What Is Accident Forgiveness? Is There a Catch?

What Is Accident Forgiveness? Is There a Catch?

Car Accident Lawyers Give the Rundown on Accident Forgiveness

Car Accident Lawyers Give the Rundown on Accident Forgiveness

It would not be wrong to say that there are few things more traumatic than a car accident. You can get seriously injured, and many times, car accidents are fatal. Besides the physical trauma and repair hassles, you also have to worry about an increase in your insurance premium costs. Depending on your driving record, the collision and a few other factors, your insurance costs could rise by approximately 40% or more.

Many people think that this surge in insurance costs is unavoidable; however, this is not completely true.

There are very few people who are familiar with accident forgiveness. It is one of the many car insurance discount features that is not completely understood by everyone. Most major insurance companies offer it to their best customers. Our car accident lawyers have provided an overview below.

How Accident Forgiveness Works

In essence, accident forgiveness is a discount offer that insurance companies offer to their clients who have a clean driving record. For these clients, the company will ignore their first accident and not raise the insurance premium. Furthermore, the deductible fee can drop by approximately 100 dollars every year if the client maintains a clean record after the first accident.

However, how accident forgiveness works varies slightly from company to company. For example, some insurance companies give accident forgiveness to their clients immediately, while others will give the offer after a customer has been an accident-free policyholder for at least five years. You will need to talk to your insurance agent in order to get all the details about their accident forgiveness policy. Some companies may also require that there are no moving traffic violations for at least three years.

What Is the Catch?

If you conduct an in-depth study of your insurance policy, you will find that the accident forgiveness feature is not free, even with a spotless driving record. For example, Allstate provides their customers accident forgiveness if they upgrade to a gold or platinum insurance coverage plan. However, the gold plan costs 8% more than a standard policy whereas the platinum plan costs 15% more. Even with the gold plan, in order to get the accident forgiveness protection, you need a three-year-long clean driving record. Whereas, the accident forgiveness feature is immediately given to the platinum insurance policy holders, which is much more expensive.

What Are Your Chances If You Have Accident Forgiveness?

Now the question is this: if you are a good driver with a flawless driving record, is it a better idea to spend more money in order to get the accident forgiveness protection, or should you take a chance and hope that your great driving skills will never fail you?

There is no one right answer to this question, and only you can decide what is best for you. Some people think that insurance forgiveness is a great feature, while many others believe that accident forgiveness has no real use and should not be bought.


No matter what insurance companies tell you, they are solely designed to make as much profit for themselves as possible. Therefore, accident forgiveness may be nothing but the current, popular marketing technique designed to convince clients how much the company wants to help its customers.

If you were injured in an accident that wasn’t your fault, the first call you make should not be to the insurance company but to a car accident law firm with a proven track record of success. Only the award-winning car accident lawyers at Wilshire Law Firm can help you get full and fair compensation for all of your damages. Call us at 1-800-52-CRASH to learn more about your rights and best options for recovery in a FREE consultation.

Last Updated: 03-24-2017