Does American Family have accident forgiveness? This question is about American Family Insurance

Does American Family have accident forgiveness?

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This question is about American Family Insurance

Candace Baker, Car Insurance Writer

@candacebaker • 05/05/23 This answer was first published on 04/13/23 and it was last updated on 05/05/23.For the most current information about a financial product, you should always check and confirm accuracy with the offering financial institution. Editorial and user-generated content is not provided, reviewed or endorsed by any company.

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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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If a car accident is not your fault, your insurance rate could still go up, depending on your state and insurance company. On average, a not-at-fault accident makes insurance costs go up by about 12%, compared to 45% for an at-fault accident.

Insurance rates can go up after a not-at-fault accident because statistics show that having any accident on your driving record makes you more likely to file a claim in the future. And...

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A car accident stays on your record for insurance for three to five years, depending on the state and insurance company. After that period, an accident no longer appears on a driver’s record for insurance purposes and will not affect car insurance premiums directly.

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