Does The Hartford have accident forgiveness? This question is about The Hartford

Does The Hartford have accident forgiveness?

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This question is about The Hartford

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, The Hartford has accident forgiveness for car insurance customers. The Hartford accident forgiveness applies to one accident every five years, and it can be purchased as a policy add-on if all drivers on the policy have a clean driving record (no accidents or violations) for five consecutive years.

Keep in mind that The Hartford accident forgiveness is per policy, not per driver. As a result, if one driver on a shared policy caused an accident in the past five years, the other named drivers cannot have an accident forgiven.

Even though it will add to your premium, The Hartford accident forgiveness is still a good investment if you’re concerned about your coverage costs increasing significantly after an accident. On average, The Hartford premiums go up by 48% after an at-fault accident, so paying for accident forgiveness can save you money long-term.

To learn more, check out reviews and key information about The Hartford, as well as our guide to accident forgiveness.

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How can I lower my car insurance after an accident?

The best ways to lower your car insurance after an accident are to reduce the amount of coverage that you pay for and compare quotes from multiple insurers. You can also take a defensive driving course and search for additional discounts from your current insurance provider. On average, an at-fault accident raises premiums by about 48%, and the increased cost lasts 3-5 years.

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If a car accident is not your fault, does your insurance go up?

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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How long does a car accident stay on your record?

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.

Just remember that even if the record of the accident goes away after three years, it could take as long as five years before a driver is able to once...

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