Does USAA have accident forgiveness? This question is about USAA Insurance

Does USAA have accident forgiveness?

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This question is about USAA 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, USAA has accident forgiveness for car insurance customers. USAA accident forgiveness is available at no added cost to drivers who have had USAA auto insurance for the past five years without any at-fault accidents. Qualifying customers get accident forgiveness automatically applied to their policy.

In some states, USAA customers who do not qualify for loyalty-based accident forgiveness can purchase forgiveness coverage instead. Purchased accident forgiveness provides the same benefits as loyalty-based accident forgiveness, but is available for newer USAA customers as an optional add-on.

USAA 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 drivers on the policy cannot have separate accidents forgiven. It’s also worth noting that USAA accident forgiveness is not available at all in Connecticut, Delaware, North Carolina, California or New York.

For more information on whether you qualify for USAA accident forgiveness, contact USAA or get a quote online. But before you do so, check out WalletHub’s USAA Insurance Review and read about how to decide if accident forgiveness is worth the extra cost.

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