Comments on: Major Insurers Offer 5 Year Accident Forgiveness Policy

By: Jason

Jason — Sat, 04 Feb 2012 23:56:23 +0000

Everyone in here that are upset with their insurance company are wrong. The reason you are upset is because you don’t understand insurance. Accident forgiveness forgives the surcharge. It does not prevent you from losing extra discounts that you may have earned for being accident free in past.

Your insurnace company can non-renew you at any time in CA as long as you don’t qualify as a CA good driver. You are spinning your wheels for nothing reporting them to the insurance department.

Read you contrats, get an agent that you trust, listen to what he tells you, and take responsibility for what you have done. Accidents cost a lot of money. Stop having them, learn to drive and all our rates would be much better.

By: Mike

Mike — Tue, 17 Jan 2012 19:46:58 +0000

Oh…you are paying for it. It’s in the rates. If a company pays out for claims but doesn’t recoup the losses by way of a surcharge, then the whole rating territory will go up in price. You don’t get anything for free Jim. Pay me now or pay me later…

By: Holly

Holly — Thu, 27 Oct 2011 14:51:07 +0000

Accident forgiveness by any company is a SCAM! We had USAA. I had an accident in April 2011 and was told repeatedly that because we had accident forgiveness, there would be no penalty whatsoever. I had another accident in May. USAA waited almost 6 months and then CANCELLED US? We’ve been with them for over 15 years! I spoke with the underwriter and she admitted, that they couldn’t raise our rates because of the accident forgiveness, so they cancelled us instead. I’ve already filed a complaint with the State Insurance Commission and am going to also go to the Attorney General’s office and the FTC. I am also going to talk to a plaintiff’s lawyer. This is such BS! I paid for a benefit and then was denied that benefit when I needed it.

By: Maggie

Maggie — Wed, 31 Aug 2011 12:13:39 +0000

I am furious with Allstate! I’ve been with them for two years and I’ve been told that I have the platinum accident forgiveness plan and that my premiums would not go up if any of my three covered vehicles were to get in an accident. BS, my college son was involved in two car accidents which ended up to a claim of $32,000. My renewal went from $1,600 something to $2,810.48. I called them to find out about the so-called accident forgiveness and I was told that they had an across the board increased. I called my friend, who had just renewed with them, and she told me that her car insurance premium was not increased. I am shopping around right now…Bye Allstate!

By: Justin

Justin — Sat, 11 Jun 2011 00:05:25 +0000

I’m sorry but who do you think should be assigned fault in this situation? In a single vehicle accident, the driver of the ONLY vehicle involved always has fault. You are required to maintain control of your vehicle at all times.

By: Christine

Christine — Wed, 01 Jun 2011 11:57:15 +0000

My husband went to pick up my friends son in December 2010 when it was snowing. As he entered the school parking lot, at 5 mph, it was soooo icy that he slid straight into a pole the school had. Allstate paid out $400, and raised our policy $1100 more a year. I’m so disgusted with Allstate because this was something my husband couldn’t control. When he went to put the claim in the women at Allstate said it wouldn’t effect our rate. We’ve been with them for 7 years. Neither of us had any accidents or tickets prior and the one little fender bender he has not even involving another car and they raise it $1100/yr. So much for their Accident Forgiveness policy…

By: Dee

Dee — Tue, 01 Feb 2011 23:59:23 +0000

We are getting charged 1/2011 for an accident that occurred 1/2009 – they made an error and did not surcharge us. We thought they did not surcharge us as they told us in 1/2009 we were platinum premiere plus members and had accident forgiveness. Well guess what 2 years later their mistake and now they want to charge us for 2009-2011! So they make a mistake, catch it, and make us pay?!!! Where is the forgiveness?

By: LISA

LISA — Sun, 14 Nov 2010 12:27:25 +0000

All State accident forgiveness is a scam. We have experienced it. I think there should be a class action law suit against them. They are false advertising, charging a premium price for this coverage and then when you have an accident they drastically increase your premium. All State accident forgiveness is a SCAM!

By: MJ

MJ — Fri, 05 Nov 2010 13:09:02 +0000

The same thing happened to me too Joe. I was shocked to see that my rates went up by over 200 bucks after just one accident when I had accident forgiveness. They explained it by telling me that they do in fact taking away your save driving discount (worth about 200 bucks) but they don’t charge you a surcharge on top of that (lucky us). They’re ploy is a deceitful scam and I’m currently shopping around for this reason!

By: Eric

Eric — Fri, 20 Feb 2009 21:13:56 +0000

21st Century had Accident forgiveness when I reported an accident in 2005. Today I received a renewal which was $200 less! I called in and they told me that in 2006 Califronia Prop 103 required them to remove accident forgiveness. Because of this, I had been paying extra for this accident all this time, an extra $400 a year! What a rip off! I would have paid this claim out of pocket had I known it would have been charged against me!

By: Stigmata

Stigmata — Mon, 08 Sep 2008 16:08:32 +0000

Ive heard so many stories like yours, joe, along with comparisons between the percentage allstate charges and the free coverage of others. Laws are still enforced, however, and there has to be some fine print somewhere that you didnt read, otherwise theres no way what they did was legal, and you could take them to court if it wasnt.

Perhaps Im being a little naive about the trust we put in our system to bring us justice though. This is america, after all.

-Stigmata

By: Joe

Joe — Tue, 19 Aug 2008 12:21:47 +0000

I have Allstate with the accident forgiveness Platinum Plus policy and my teenage son backed into somebody in a driveway and caused less than $1000 damage. Allstate promptly increased my premium by almost 25% by adding on an accident surcharge to my policy. I have five cars insured on Allstate and they increased the premium on every single one. Doesn’t sound like accidnet forgiveness to me.

By: Shirley

Shirley — Sat, 19 Apr 2008 03:35:40 +0000

31 years with 21st Century Insurance. No tickets. Three accidents in 31 years – only one of which was my fault. Just happened this January – they raised my rate over $300 dollars. Disgusting. Who and how do they determine how much they will raise your rate? Why would anyone remain loyal to a company after that kind of treatment, after paying them thousands of dollars for 31 years???

By: Ryan

Ryan — Wed, 12 Mar 2008 17:09:44 +0000

I work with allstate insurance and can tell you a few things. You would be looking at a very minor premium increase (in fact with our platinum plan would give you a check for 5% of your premium! This means for a very low 2% or your 6 month premium (which if you have EZ-PAY would be discounted) you now have unlimited accident forgivness. Deductible rewards for a collision($100 dollars from sign up and $100 every year you go without an accident), and a refund check!! NOT a BAD deal!
All day long i talk to people with $2-3,000 claims and they say they wish they had our product. My customers who do (89%) will never worry about their rates again!
No trick, scams or anything else just a great protection that is affordable!

By: Auto Insurance Agent and Broker

Auto Insurance Agent and Broker — Mon, 16 Jul 2007 21:22:48 +0000

It seems that the auto insurance companies are trying to take credit for a certain State’s law. I am an insurance agent and know that thats not the case here in California. If you have an at-fault accident, you’ll be charged for it. I’ve seen the auto insurance commercials that talk about accident forgiveness in California by Allstate.