It’s the specter that haunts us when we’re out on the roads, especially in heavy traffic-the chance that we could find ourselves in an accident and, after getting ourselves patched back together, have to sit back and watch as our car insurance rates go flying! It’s a very real threat. The good news is, there are also very real things we can do to keep it from happening.
Have you ever heard of accident forgiveness? Accident forgiveness is the responsible driver’s best friend. Picture, if you will, a man who’s been driving for over 30 years. He’s never gotten a speeding ticket, never totaled a car. He’s never even been in a fender bender! He’s been doing business with the same car insurance company since the day he got his license, and he’s one of their favorite clients. He has every discount in the book, and the people at the top desk send him a Christmas card every year not only for paying his bills on time but also for referring new clients.
In other words, he’s an insurance company’s dream.
Then, one day, he’s coming home from work. It’s late. It’s dark outside. He’s just been told he’s getting laid off and he has no idea how he’s going to keep paying his bills. He’s worried that he’s too close to retirement to find another job. He’s not paying attention to where he’s going, and the next thing he knows he’s plowed bumper first into the car in front of him.
The insurance company happily steps in and smooths things over. The next thing he knows, he’s looking at a renewal policy for 40% more than he’s ever had to pay before. What happened?
Believe it or not, this happens every day to drivers all across the country. They find themselves paying huge penalties for being in a single accident, even though their driving record has been exemplary up to that point. That’s why car insurance companies came up with accident forgiveness. If you have a clear driving record and happen to find yourself involved in an accident for the very first time your accident may be forgiven completely or, if it’s not, will have at least a reduced impact on your car insurance rates.
Some companies offer accident forgiveness as a standard part of their insurance policies, others require drivers to purchase it as a secondary insurance coverage. The amount it can save you after you’ve been in an accident in terms of your long term car insurance rates is extraordinary, however. Take the time to talk to your insurance agent today to see if you might qualify. It’ll be the best phone call you’ve ever made.
Tony Peck is the Senior Project Manager for QuoteScout.com, where they’re specializing in matching drivers with great rates on their car insurance. For more information on your car insurance and accident forgiveness, visit them on the web at http://www.QuoteScout.com
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