Why Did My Car Insurance Premium Increase Because of an Accident if I Have Accident Forgiveness?
Auto insurance and accident forgiveness
Accident forgiveness is a relatively new feature of an auto insurance policy and a lot of companies are promoting the fact that they offer this feature. 
You’ve probably seen the commercials on television or heard them on the radio. If you read the fine print at the bottom of the screen, or listen to the fast talking disclosure at the end of the radio ad, you will hear that this feature is not free and they will charge a premium for adding this feature to your policy.
There are also other auto insurance companies that let you “earn” the first accident forgiveness if you remain with them for a number of years without an accident.
This can be a great feature, because an accident can cause your premiums to go up substantially when they are surcharged on your car insurance policy.
However there just a little known fact that I want to talk about.
And that is, sometimes even with having accident forgiveness, your auto insurance premiums may still increase if you have an accident.
I know what you are thinking: “Hold on, I thought the accident was forgiven so why is my premium going up?
Well the accident is forgiven with the aspect that you don’t experience the accident rating point surcharge.
But you still may lose discounts and credits on your auto insurance policy.
Some car insurance companies give a policy discount if a driver has gone 3, 5 or even 10 years without having an accident.
So, even though they’re not directly surcharging your policy the accident, some companies are still removing these loss free credits that you have earned over the years.
So we wanted to let you know that just because you have accident forgiveness, you may still see a premium change if you have an auto accident
If you have any questions you have about auto insurance, home insurance, or business insurance, please reach out to Huff Insurance and our team we would love to assist you in earning your business.