This form for use in litigation against an insurance company for bad faith breach of contract. Adapt this model form to fit your needs and specific law. Not recommended for use by non-attorney.
Motorist Uninsured Accident Forgiveness In Franklin
Category:
State:
Multi-State
County:
Franklin
Control #:
US-000279
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Word;
Rich Text
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FAQ
Always File a Claim, Regardless of Who Was At-Fault One of the primary questions we receive from clients who have been in an accident is whether they should report the accident to their own auto insurance carrier, particularly when the accident was not their fault. And the answer to that question is: always.
Accident forgiveness does NOT mean your rates won't go up in the future. It simply means you will not be surcharged for the accident. Your rates will continue to increase at the same rate they would have if you didn't have the accident.
Most insurers that offer accident forgiveness only allow it to be purchased for drivers with a clean driving record. You'll have to wait til the accident falls off your record, usually 3-5 years.
Accident Forgiveness at a Glance Maintaining a safe driving record is the most effective way to keep your car insurance costs low. While accident forgiveness can be a valuable addition to your car insurance policy, its limitations may not make it worth it for individuals with clean driving records in low-risk areas.
Accident Forgiveness is an auto insurance benefit that may prevent insurance rates from increasing as a result of a driver's first at-fault accident. Depending on the situation, it can be added to a policy or awarded to those with a good driving record.
How do you qualify for Accident Forgiveness? You must not have a chargeable at-fault accident in the last six years. You must be licensed continuously for the last six years. You must be insured continuously for the last six years (Alberta, New Brunswick, Nova Scotia & PEI only)
How Long Does Accident Forgiveness Last? Accident forgiveness can be a valuable addition to basic auto coverage, but it's not a license to crash. In most cases, accident forgiveness is only valid for one collision. If you're at fault in subsequent collisions, you can expect a hike in your premium.
Current Progressive customers Log in to your policy or call us at 1-866-749-7436 to see if accident forgiveness is available and included in your policy. Looking for more information about auto insurance? Our car insurance resource center has you covered. Learn more about car insurance policies.
For drivers in California, accident forgiveness isn't an option. Proposition 103, which passed in the state in 1988, outlaws “excessive” insurance rates and accident forgiveness was deemed excessive as you're essentially paying for coverage on an accident that hasn't happened yet.