Does Liberty Mutual offer accident forgiveness?

Yes. Liberty Mutual offers accident forgiveness. To qualify for Liberty Mutual accident forgiveness, drivers must not have any accidents, claims, or violations from the past five years. Customers must have at least five years of driving experience, but they don’t need to have been insured with Liberty Mutual.

In general, Liberty Mutual accident forgiveness prevents one at-fault accident every five years from raising premiums. It will also forgive two accidents by different drivers on the same policy, as long as they occur in the same year. Liberty Mutual is the only major insurer to offer this two-accident forgiveness perk.

For example, say Driver A files a claim in 2019 for an at-fault accident. If her spouse, Driver B, files a claim for a separate at-fault accident in 2019, both accidents will be forgiven. But if Driver B files a claim for an at-fault accident in 2022, this accident will not be forgiven. The accident forgiveness clock will then reset after five years, rendering both policyholders eligible again.

The bottom line is that Liberty Mutual accident forgiveness is a great perk for drivers who have been safely on the road for at least five years, even if they are only now switching to Liberty Mutual. To find out more, check out WalletHub’s Liberty Mutual Review and accident forgiveness insurance guide.