If you are involved in an accident, you are 50% at fault or more, and a certain amount is paid out for the claim by the insurance company ($500, $750, or $1000, depending on the company, and sometimes state law) you will lose good driving discounts and be surcharged, sometimes as much as 40% of the base rates.

Some insurance companies will not surcharge you for your first at-fault accident if you have been at-fault accident free, and insured with them for a certain period of time, such as 5 years. This benefit is called Accident Forgiveness.

Some auto insurance companies now offer Accident Forgiveness to new customers. Other car insurance companies have Accident Forgiveness as an option that can be purchased, even by new customers. If you are shopping your auto insurance, and you have earned Accident Forgiveness by being a long term customer, you want to consider this feature before changing to a new car insurance company.

If the new car insurance company allows you to purchase Accident Forgiveness at a lower price than you pay now, and you are satisfied you are not losing out on customer service (See my website link below for JD Power ratings and complaint records), you should be okay to switch and save money.

Or, if the savings with the new auto insurance company is substantial (saving 50% or more), why pay a high rate for auto insurance with Accident Forgiveness, when you can pay a much lower rate with another company?

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If a driver in your household regularly gets involved in an at-fault accident every 3 to 5 years or so, or you have a driver or drivers, licensed for the first time, Accident Forgiveness can be a great feature for you.

But the idea about Accident Forgiveness is to keep your auto insurance rates from going through the roof. If you have to pay a lot of money to have this feature, and you could save a lot of money with another auto insurance company without Accident Forgiveness, why pay high rates to have Accident Forgiveness? Your rates may not go up with an at-fault accident, but you are already paying high rates as if you WERE being surcharged.

Bottom line: only consider paying for Accident Forgiveness if it comes at a reasonable price.

What do you think about Accident Forgiveness for auto insurance accidents? Tell me about it. Please leave a comment on my facebook page. Follow me on Twitter for important insurance consumer news and new blog entries at CarInsWatch.