We hope Mr. Alexander Pope can forgive us for altering his famous quote, but lets face it some accidents are unavoidable. You can be the best driver in the history of the world, and that guy next to you in traffic texting on his phone while drinking coffee and eating a bean burrito could come across your lane at any minute forcing you into a situation.
Life is not always fair, but with Team-ATD your insurance can be. This is where accident forgiveness comes in. Many of our insurance carriers provide accident forgiveness but most of them require that you are with them for a set number of years before providing you with forgiveness. At Team ATD, we tailor your policy to suit your needs. The more cautious you are on the road, and those with the best driving records with least amount of claims have the best opportunity at being rewarded when it comes to accident forgiveness.
What types of accidents trigger an increase in premium?
- Any accident that is deemed “at fault” is subject to premium surcharge/increase. This can be an accident with another vehicle which is deemed your fault or an accident where just your vehicle is involved (example – slipping on ice and loosing control).
- Not “at fault” accidents and Comprehensive losses will not affect your premium. Please do not hesitate to contact a Team ATD agent with any questions….
- Some carriers require you to have a clean record for 4 to 5 years. So check with us and let us shop around and find the best solution for you.
- Different policies have different approaches to forgiveness. Some policies allow only a single incident over a period of time, while other premium policies will allow for multiple incidents over the same period without effecting your bottom line. The costs vary from policy to policy.
The bottom line is, know what is in your policy before an accident happens. Contact Team ATD to find out how to protect yourself and your family. We are always here to help.
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