How Accident Forgiveness Works with Massachusetts Car Insurance

You may be aware that a safe driving record can help lower the cost of your Massachusetts car insurance rates. In fact, insurance companies are allowed to compete for good drivers, which can only benefit those drivers with a clean history. Some insurance companies now offer an option called “accident forgiveness”, whereby drivers with a previously good record will not be penalized if they cause an accident.

This means your premiums may not be affected if you have an accident, providing you have an otherwise clean driving record. You may have to pay a bit extra on your premium for this feature, or it might come as standard.

Accident forgiveness doesn’t mean there are no consequences for your insurance if you cause an accident. The record of your accident will be kept by your insurance company, and it’s unlikely you will be “forgiven” for a second accident. Your ability to use accident forgiveness could also be affected by traffic violations. Details vary between providers so it is important to make sure you know exactly what you’re eligible for.

You may think accident forgiveness is a feature worth having on your Massachusetts car insurance, or you may be confident that your safe driving record habits are enough to keep you from being involved in an accident. Speak to your agent to get more information about whether this option would be beneficial. With Oxford Insurance Agency, you can receive the coverage you need for your car. Contact us today for more information!