By now you have had seen all the TV Commercials regarding “accident forgiveness”. They usually say something like you don’t need to worry if your in an auto accident because with “accident forgiveness” the rates on your policy will not increase.
Yeah Right.
Did you know that you are charged upfront by most auto insurance providers for “accident forgiveness”? They then proclaim your auto insurance rates won’t go up. They better not because if you sign up for this service you are paying extra for it in ever bill. How is this offering you Discount Auto Insurance?
This is just another way insurance companies lull you into a false sense of security. If insurance companies gave a heck about you, “accident forgiveness” would be a silent point. They would oblige there agreement to you and that would be that.
Seriously, take a moment and think about this. Automobile insurance carriers raise rates for their customers who purchase their service and then have the audacity to use it. Is this some racket or what? Let’s just say for example you have a bar and hire a pest control company but have no issues, no roaches, no bugs, no mice. Your pest control technician looks over your pub and reports there are no issues. A few months go by and he comes out and you now have a roach problem or whatever. Would you be okay letting him increase your rates because you used the service you have been paying for all along. Of course not.
In addition to all of this. Your auto insurance provider still may not renew your automobile policy if they decide to for any reason. Who would you think has a better chance of having there policy canceled the person who had an accident or the person who hasn’t. The best way to understand your coverages is to read through all the Auto Insurance Information provided to you by your carrier.
Automobile insurers make up there own rules and have been doing so for a long long time. They manipulate politicians by providing so much money to there lobbyist. They have the ability to spin what they are calling new coverages to there customers through the media which in the old days was included at no cost.
So you may be wondering is “accident forgiveness” worth it? Most likely but this is not something that should be needed. If you don’t include it you are putting yourself at risk of your rates rising and your insurance provider canceling you when you are up for renewal.
Lastly, try to locate an insurance provider that offers “accident forgiveness” at no cost to you. If you can find it, then that company is maintaining a higher ethical standard then most. An insurer in this mold actually cares about you and not just the numbers that hit there bottom line. One of the easiest ways to compare Free Insurance Quotes is to use an insurance comparison site like QuoteMatcher.com. By using a website like this you can quickly determine what company is a good match for you.
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