California insurance companies have just started offering unique options for consumers popularly referred to as,Accident Forgiveness. Some people have been asking questions like, Is it right for me? How do you get? How much does it cost? I heard something about ticket forgiveness too, does that come with it? And how does it work? It can be confusing, and if you don’t understand it, you may not be aware of how important it is to have this protection when you get car insurance. It’s actually one of the most important changes to come to California insurance policies in recent years, particularly if you have high risk drivers in your home.
Let’s tackle some of these unknowns… How does accident forgiveness work? Just like the name, your insurance company will forgive you for the first property damage accident, even if it’s your fault. Normally, your rates would increase but not anymore, you have the option of shielding yourself from such an increase (All policy drivers are usually are included). If you have an elderly driver or a teenager on your policy, this becomes especially important. These two groups have a much higher risk for accidents and just one minor accident by your high school senior could translate to a major policy increase of over $3000 over three years on one car. But if you have this new forgiveness program, his or hers, first accident won’t raise your California car insurance rates, not even one penny!
The More You Drive, the More You Need These Options
‘Is Accident forgiveness right for you?’ Well, if you drive for a living, most definitely! California truck and all commercial drivers can be particularly hard hit by rising insurance rates because they can’t attend traffic school as an alternative to receiving a ticket. Of course, as soon as a driver gets a ticket or is in a minor accident, his insurance goes up – unless they have these benefits on their policy to take off some of that burden and keep them on the road!
If you commute to work or drive a lot on the weekends you’re also an excellent candidate. The more you’re on the road, the more you expose yourself to the possibility of an accident, increasing the chances that your premium will go up significantly because of some minor fender bender. Many drivers are shocked when an accident that causes minor damage to their car causes a major hit to their insurance costs. Also, 1 in every six drivers in California will receive a traffic violation – some companies include ticket forgiveness as well. The law states if you go to traffic school you are not eligible to go again for 18 months – commuters are much more vulnerable to the effects this has than most.
What are the guidelines for California Accident Forgiveness? They’re fairly broad and will cover a wide variety of accidents, which is why having these options is almost always worth it:
Applies for accidents with property damage, even when the insured is at fault. The coverage usually begins on day one of insurance coverage (no waiting period) Higher risk drivers such as teen drivers and CDL truck/commercial drivers qualify for these advantages. Keep in mind, however, that very few companies in California offer these options, and when they do, you usually have to qualify. Innovative companies like Allstate Insurance have done away with qualification requirements and offer additional features such as ticket forgiveness, safe driving bonuses and deductible rewards. The cost varies but most are usually only a few dollars a month.
Talking to a licensed California auto insurance specialist is the best way to learn more about the new program and if your company offers these options. If you wish to learn more about Allstate’s new ‘Your Choice Auto’ options call us at 866-614-3400 or get your online quote at www.AccidentForgivenessInsurance.com [http://www.accidentforgivenessinsurance.com/id2.html] .
CA DMV site
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