Skip to main content

Accident Forgiveness

accident forgiveness

Learn more about “Accident Forgiveness” coverage, endorsements, and companies that offer accident forgiveness on their auto insurance policies. We cover the car insurance providers we offer at Premier Shield and answers some of these commonly asked questions about accident forgiveness.

 

  • What is accident forgiveness coverage? “What is Accident Forgiveness? Insurance companies look at your record of accidents and moving violations when developing your automobile insurance premium. If your insurance policy has an accident forgiveness feature, the insurance company agrees not to factor an accident into the calculation of your premiums.” – Mass.gov
  • Does full coverage have accident forgiveness? No. Accident forgiveness is not included with full coverage. It’s an optional auto insurance policy endorsement and it’s optional and isn’t available with all car insurance companies.
  • How often can you use accident forgiveness? Typically, accident forgiveness endorsement will only apply the first accident for an eligible driver on the auto policy.  Your car accident will stay on your points & driving record, even if it’s “forgiven” by your current auto insurance company. For example, when you have accident forgiveness, your current company doesn’t raise your rates but other insurance carriers will still rate on the accident between five and six years.
  • Does insurance forgive first accident? With some car insurance companies, you may be eligible to have your first accident forgiven. (see below).

 

ConsumerNote, for accident forgiveness coverage information for your non-Premier Shield Insurance company, speak to your agent or visit the posted insurance company links for the most updated accident forgiveness availability informaiton.

Top FAQ about Accident Forgiveness and Related Common Insurance Questions

 

Below is the most recent information we were able to find regarding major and regional insurance companies and if they offer accident forgiveness.

    • Q: “Does Allstate offer accident forgiveness?”A: Yes. according to Allstate’s “Accident Forgiveness Coverage Section” ‘Your car insurance premium doesn’t have to go up just because of an accident.’ learn more about Allstate’s Accident Forgiveness availability on their website here.
    • Q: “Does American Family offer accident forgivenessA: Yes. according to THIS Company’s “Accident Forgiveness Page” American Family states ‘As long as you have had no at-fault accidents and no violations in the last 12 months, and no more than one at-fault accident in the last three years, we’ll forgive your first accident and not raise your premium based on that accident.’ Learn more about American Family’s Accident Forgiveness policies & availability on their website here.
    • Q: “Does Amica offer accident forgiveness“?

      A: Yes. According to AMICA’s Company’s “Platinum Choice Page” AMICA states you ‘earn’ accident forgiveness over time with a rewards system: ‘With Good Driving Rewards coverage you’ll earn Advantage Points that lower or eliminate costs if you’re in an accident..’ Learn more about AMICA’s Accident Forgiveness policies & availability on their website here.

    • Q: Does Arbella offer accident forgiveness“?

      A: Yes. According to Arbella Company’s “Accident Forgiveness Page,” Arbella states ‘Qualified drivers who add Accident Forgiveness to their policy have the ability to waive surcharge points after an accident for only $45 per year!’ Learn more about Arbella’s Accident Forgiveness policies & availability on their website here.

    • Q:  “Does Concord Group offer accident forgiveness“?

      A: Yes. according to the Concord Group Insurance Company’s “Auto Insurance Page” Concord Group Insurance, States states ‘Concord Group Insurance rewards safe drivers! Adding accident forgiveness prevents premium increase following your first at-fault accident.’ Learn more about Concord Group Insurance’s Accident Forgiveness policies & availability on their website here.

    • Q: “Does Erie offer accident forgiveness“?

      A: Yes. according to Erie’s “Accident Forgiveness Coverage Section” ‘Well, ERIE offers First Accident Forgiveness, meaning you won’t be surcharged the first time you’re at fault in an accident after you’ve been an ERIE customer for three or more years.’ Learn more about Erie Insurance’s Accident Forgiveness availability on their website here.

    • Q: “Does Esurance offer accident forgiveness“?

      A: No. Currently, as of August 2021 Premier Shield has not been able to verify Esurance customers can add accident forgiveness to their Esurance auto policy.

    • Q: “Does Farmers offer accident forgiveness“?

      AYes. According to Farmer’s Policy Perks section, ‘We won’t raise your rates because of an accident for every three years you drive without one.’ Learn more about Farmers Insurance’s Accident Forgiveness availability on their website here.

    • Q: “Does Foremost offer accident forgiveness“?

      A
      : No. Currently, as of August 2021 Premier Shield has not been able to verify Foremost customers can add accident forgiveness to their Esurance auto policy.
    • Q: “Does GEICO offer accident forgiveness“?

      A: Yes, GEICO accident forgiveness is available (Available in all states EXCEPT Massachusetts, California, and Connecticut). According to GEICO’s “Accident Forgiveness Section,” ‘With Accident Forgiveness on your GEICO auto insurance policy, your insurance rate won’t go up as a result of your first at-fault accident.  Learn more about GEICO & GEICO General’s Accident Forgiveness policies & availability on their website here.

    • Q: “Does Liberty Mutual offer accident forgiveness“?

      A: Yes. According to Liberty Mutual’s “Accident Forgiveness Page” Liberty Mutual states ‘Accident Forgiveness is an additional coverage that you may qualify for that can be added to your auto insurance policy, where your price won’t go up due to your first accident. You may be eligible for this benefit if you have 5 years of accident-free driving. Get an even larger discount when you reach 5 years.’ Learn more about Liberty Mutual’s Accident Forgiveness policies & availability on their website here.

    • Q: “Does MAPFRE/Commerce offer accident forgiveness“?

      A: Yes. According to MAPFRE’s “Accident Forgiveness Page,” Commerce/MAPFRE states the following ‘MAPFRE Insurance offers Accident Forgiveness for a wide range of drivers and experience levels. By adding accident forgiveness to your MAPFRE car insurance policy, if you or someone on your policy gets into an at-fault accident, your premium won’t increase because of the incident.’ Learn more about MAPFRE’s Accident Forgiveness policies & availability on their website here.

    • Q: “Does Mercury offer accident forgiveness“?A: No, Mercury car insurance policies do not have accident forgiveness.
    • Q: “Does Metlife offer accident forgiveness“?

      A: No. Currently, as of August 2021 Premier Shield has not been able to verify that current Metlife (now Farmers) customers can add accident forgiveness to their Metlife auto policy.

    • Q: “Does National General offer accident forgiveness“?A: It is currently ‘UNCLEAR’. According to the National General Insurance the words “Accident Forgiveness” DO NOT APPEAR on any webpage or auto insurance brochure they provide. Premier Shield Insurance agents do not offer “National General Insurance” due to them being a smaller, more regional insurance carrier (in New England), and the recent Allstate $4B purchase of National General Insurance. According to Insurify some local insurance tech company “National General lets you purchase accident forgiveness as an add-on to your insurance coverage. If you buy this coverage, your premium price won’t increase after your first at-fault accident, as it typically does if you get into an accident. To purchase this coverage, you’ll need to meet specific qualifications.” you can see more here but Insurify provides zero details or links on their National General Accident Forgiveness ‘page‘.
    • Q: “Does Plymouth Rock offer accident forgivenessA: Yes. According to Plymouth Rock’s “Accident Forgiveness Page,” they state ‘Accident Forgiveness: When an eligible customer purchases Accident Forgiveness, upon the next renewal Plymouth Rock will waive a surchargeable accident if certain criteria are met..’ Learn more about Plymouth Rock’s Accident Forgiveness policies & availability on their website here.
    • Q: “Does Progressive offer accident forgiveness“?A: Yes. according to Progressive’s “Accident Forgiveness Page” Progressive allows policyholders to earn loyalty rewards which can be used for ‘Progressive Small Accident Forgiveness” and ‘Progressive Large Accident Forgiveness‘. Progressive provides accident forgiveness and it’s automatically included in your auto policy for certain accidents in most states. Progressive offers two types of accident forgiveness, and eligibility depends on how long you’ve been a Progressive customer..’ Learn more about Progressive’s Accident Forgiveness policies & availability on their website here.
    • Q: “Does SAFECO Insurance offer accident forgiveness“?A: Yes. according to SAFECO’s “Auto Insurance Product Page” SAFECO Insurance states ‘The first accident on your policy is waived after a set number of years with Safeco without an at-fault collision or violation.’ Learn more about SAFECO Insurance’s Accident Forgiveness policies & availability on their website here.
    • Q: “Does Safety offer accident forgiveness“?A: Yes. according to Safety’s “Auto Insurance Product Page” SAFECO Insurance states ‘The first accident on your policy is waived after a set number of years with Safeco without an at-fault collision or violation.’ Learn more about Safety Insurance’s Accident Forgiveness policies & availability on their website here.
    • Q: “Does Travelers offer accident forgiveness“?A: Yes. according to The Travelers’ Insurance’s “Accident Forgiveness Page” Traveler’s states ‘For drivers with good driving records, Travelers offers accident forgiveness when you choose to purchase one of our Responsible Driver Plans. Check with your local independent agent or Travelers representative to learn what criteria must be met to have accident forgiveness on your car insurance policy. Also, keep in mind that your clean driving record alone may not be enough. Accidents and violations for other drivers in your household may be considered.’ Learn more about Traveler’s Accident Forgiveness policies & availability on their website here.
    • Q: “Does Vermont Mutual offer accident forgiveness“?A: Not enough “Online information”. A quick google search provides “No results found for ‘Does Vermont Mutual offer accident forgiveness‘”   for us to say “Yes” or “No” the Premier Shield Insurance agency would recommend you find and Google your local contact Vermont Mutual insurance agency or agent for more information on availability. Vermont Mutual’s accident forgiveness program is included in their “Advantage Endorsement” for a $45 annual fee according to some websites. Contact your agent for more details.

 

To get a cheap car insurance quote “with accident forgiveness”, learn more about auto insurance policies and coverage options online with Premier Shield car insurance agents.

 

About Premier Shield Insurance

 

Premier Shield Insurance provides auto insurance customers accident forgiveness insurance coverage through our auto insurance company providers and partners for eligible drivers.

The Premier Shield Insurance agency provides better rates and coverage options for auto insurance, home insurance, and other personal lines insurance products. Learn more about Premier Shield’s comprehensive coverage options for auto, home, flood, motorcycle, umbrella, and boat insurance.

Licensed Property & Casualty insurance agents at our agency are also able to provide high-net-worth insurance coverage for individuals with bundled luxury auto and homeowners insurance with high-value homes providing home insurance Dwelling A coverage up to $5,000,000. We are able to offer up to $5M in Guaranteed Replacement Cost Coverage wherever Openly Home Insurance quotes are available. High-value private flood insurance is available for up to $5,000,000 with Neptune Flood Insurance quotes and policies through Premier Shield flood insurance agents.

Premier Shield Home and Auto Insurance companies, rates, prices, quotes, coverage, and quotes are available in Massachusetts, Connecticut, New Hampshire, Rhode Island, Maine, South Carolina, New Mexico, Ohio, Texas, and Virginia.

Premier Shield new business insurance quotes are available by telephone 1-774-847-7746; by email at info@premiershieldinsurance; or new quotes can be done online for car insurance, home insurance, or better coverage/lower-cost private market flood insurance.