Accident Forgiveness is an optional feature you may be able to add to your car insurance policy that can help you avoid a rate increase after an accident. Find out how the state where an accident occurs, and whether it's an at-fault or no-fault accident state, changes how an auto insurance claim is paid.If you are injured in a motor vehicle accident, file a written notice of claim with the No-Fault insurer that identify the injured person(s). Read your car insurance policy to learn whether it includes accident forgiveness. In most cases, your insurance company will agree to a settlement with the injured driver and you won't need to go to court. If you have accident forgiveness on your policy and this is your first accident, it's likely that your rate won't go up. Read your car insurance policy to learn whether it includes accident forgiveness. Will My Car Insurance Rates Be Affected By the Accident? Find out what to do when the atfault driver wants to pay outofpocket and how to settle without filing an insurance claim. Your insurance rate won't go up as a result of your first otherwise surchargeable, at-fault accident.