Yes, American Family has accident forgiveness for car insurance customers. American Family accident forgiveness can be purchased as a policy add-on if the policyholder has had no violations or at-fault accidents in the last year or earned if the customer is claim-free for five years. Once the policyholder has accident forgiveness, it applies to one accident every 1-5 years, depending on whether it was earned or purchased.
Keep in mind that American Family accident forgiveness is per policy, not per driver. As a result, if one driver on a shared policy caused an accident in the past 1-5 years, the other named drivers cannot have any of their accidents forgiven.
Even if you don’t qualify for American Family’s earned accident forgiveness, the paid add-on is still a good investment if you’re concerned about your rates going up after a wreck. On average, American Family premiums go up by 24% after an at-fault accident, so paying for accident forgiveness can save you money long-term.
To learn more, check out WalletHub’s guide to accident forgiveness.
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