Accident Forgiveness

A perk that keeps your first at-fault accident from spiking your rate. Usually earned by a clean record or paid for as an add-on.

This is a friendly general explanation, not legal or policy language. Exact coverage depends on your policy, carrier, and state. 🤝

Written and reviewed by the We Insure Things team — licensed independent insurance agents. Last reviewed July 23, 2026. Questions? Ask a licensed agent.