Candace Baker, Car Insurance Writer
Progressive has two accident forgiveness programs: 1) Progressive customers won’t see their rates go up for certain not-at-fault claims of $500 or less and 2) If you’ve been a Progressive customer for at least five years and accident-free for at least three years, your rate won’t go up for having an accident of any scale. The first type of Progressive accident forgiveness applies to all Progressive customers and starts as soon as your coverage does. Eligible incidents include things that are out of your control, such as hail damage or a cracked windshield. The second accident forgiveness benefit works more like a loyalty program.
Progressive accident forgiveness applies regardless of whether you are at fault, and enrollment is automatic in the states where it’s available. Unfortunately, Progressive doesn’t offer any additional information about which states have accident forgiveness, so you’ll have to call with your policy number to see if you qualify.
Accident forgiveness is a one-time benefit that applies to one accident per policy, not one accident per driver. It’s also important to remember that the accident still shows on your driving record. That means it will be visible to other insurance companies for three to five years, and it could still cause higher premiums with another insurer.
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