You’ve probably seen the television commercials (or maybe you haven’t because of DVR) and have wondered about accident forgiveness and whether or not it applies to you. Well, good news for you Massachusetts drivers: MA Auto Insurance companies now offer this feature! There is some information about accident forgiveness that you should know from Mass.gov.
What is accident forgiveness? When developing your premium, MA Auto Insurance companies are agreeing not to calculate accidents into the premium. There are some conditions and limitations associated with accident forgiveness. The accident is not erased from your record. It is just not calculated through this insurance company. If you move to another company, they may not “forgive” that particular accident in the calculation of your premium.
What is the cost? In some cases, this feature is part of a standard MA Car Insurance policy. In other cases, you may pay a higher premium to cover the feature. Your Massachusetts insurance agent should be able to answer this question for you.
Who is eligible? Qualification is typically based on two factors: customer loyalty and driving record. The feature is sometimes only offered to customers who have been insured with the company for a certain number of years. Additionally, many insurers will check your driving record and require a clean record for a certain number of years.
Are all accident forgiveness options created equal? This feature varies based on each insurance company. You will need to talk to your MA insurance agent about this.
Does an accident forgiveness option make sense for you? If you are prone to accidents, this might be a good option for you. If you’ve had a clean record for a number of years, you will have to decide if it is worth the cost to you. Again, your Massachusetts insurance agent can advise you in the right direction.
Everyone is looking to save money on their Massachusetts Auto Insurance policy. Let your MA insurance agent help you do the same. Accident forgiveness is widely accepted and you could have this feature available to you now.
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