Many Massachusetts auto insurers now offer “Accident Forgiveness.”

Some companies make you buy it, some companies make you earn it.

Some companies will only include Accident Forgiveness if you have a perfect driving record, some will include it if you’ve had up to one previous accident.

Another company will give it to you only if you have a perfect driving record AND you’ve been insured with them for four years.

What is Accident Forgiveness?

Accident Forgiveness does not erase accidents already on your driving record. Instead, if you have the endorsement on your policy they will forgive future at-fault accidents.

Are all insurance companies’ Accident Forgiveness program the same?

No. Each company offers the program only to certain drivers. New drivers, or new insurers, or those with multiple accidents may not qualify.

Consumers placed with a company through the M.A.I.P. program may not qualify either. Check with your agent or company to see if you qualify.

Does Accident Forgiveness make sense for you?

Sometimes the Accident Forgiveness program is bundled with the “Disappearing Deductible” endorsement. Sometimes it makes financial & coverage sense to include the endorsement and increase your collision deductible.

Contact us at MassQuotes if you have any questions or concerns about your MA auto insurance policy.

We will be happy to show you different coverage and premium options.

 

The best way to save money on auto insurance in Massachusetts is by driving safely, maintaining a clean driving record, and by paying your auto insurance premiums.

Unfortunately, accidents happen and that is why, ultimately, we carry auto insurance.

In Massachusetts there are 20 Standards of Fault that are used when determining fault in auto accident.

• Collision with a lawfully or an unlawfully parked vehicle
• Rear end collision
• Out of lane collision
• Failure to signal
• Failure to proceed with due caution from a traffic control signal or sign
• Collision on wrong side of road
• Operating in the wrong direction
• Collision at an uncontrolled intersection
• Collision while in the process of backing up
• Collision while making a left turn or a U-turn across the travel path of a vehicle travelling in the same or opposite direction
• Leaving or exiting from a parked position, a parking lot, an alley or driveway
• Opened or opening vehicle door(s)
• Single-vehicle collision
• Failure to obey the rules and regulations for driving
• Unattended vehicle collision
• Collision while merging onto a highway or into a rotary
• Non-contact operator causing collision
• Failure to yield the right of way to emergency vehicles when required by law
• Collision at a “T” intersection (you entered from a side road)

For more information regarding Massachusetts automobile insurance, utilize us at MassQuotes. You can also contact the Massachusetts Division of Insurance Consumer Hotline at 617-521-7777 ir visit their website at:  www.mass.gov/doi. For more information regarding your driving record, call the Massachusetts Merit Rating Board at 617-351-4400 or visit their website at www.mass.gov/mrb.