What you need to know about Accident Forgiveness in Maryland

Accident forgiveness – This is something that most Laurel, Maryland drivers probably think sounds like a good idea. However, do you understand exactly what it entails and how it can help you when it comes time to make a claim on your auto insurance?

When you are in an accident, the costs pile up. If you are at-fault, you may have to pay for a traffic citation and you have to pay for your car repairs or insurance deductible and if you have any medical costs you will pay those too. However one cost that you face that will come back to haunt you time and again is that of increased insurance premiums.

This is where accident forgiveness starts to play a part on your insurance. This is something offered by many different insurance companies. Even if they do not advertise it, it is often available for those who ask. The idea is that the insurance company will forgive you for an infrequent accident by not raising your premiums. This can make a big difference in the price you pay for the long-run.

Something to keep in mind is that accident forgiveness only applies to that particular company. If you move to another insurer, you will likely have the accident factored into determining the premium.

If accident forgiveness is something that you think may benefit you, contact an independent agent to talk about it. Working with an independent agent is the best way to make certain you are getting all the insurance you need and not paying more than you need to for the coverage. We can help you determine if accident forgiveness is right for you and help tailor the perfect auto insurance policy for you in or around Laurel, Maryland.