Accident forgiveness is an auto insurance policy feature that protects you from higher premiums. Essentially, your driving record in their rating system is preserved for that single at-fault incident , and your premiums stay the same.
Accident forgiveness insurance is an extra level of protection you can add to an existing auto insurance policy. It protects your insurance rates from increasing as a result of your first at-fault or partially-at-fault accident claim. What that means is: We treat your first claim like it didn’t even happen.