Idaho Tells Consumers to Consider Accident Forgiveness

The state of Idaho is urging residents to take into account the potential for bad weather and the likelihood that their driving will increase during the holidays, and consider an auto policy with accident forgiveness. “Accidents can mean expensive repair and liability costs,†says Bill Deal, Director of the Department of Insurance, in a statement. “They can also lead to higher insurance premiums.†The department’s advisory informs consumers that accident forgiveness means that an insurer agrees not to increase a customer’s premium after the driver is involved in an at-fault accident. The feature may be included as part of a standard policy to loyal customers or as an additional endorsement that drivers with safe driving records can purchase. In some cases, accident forgiveness is included as part of a standard auto insurance policy; however, the premium is typically higher for this added protection, the advisory says. More often, accident forgiveness is offered as a coverage option for an additional fee. Cost and eligibility for this option vary by insurer. The advisory tells consumers to talk to their agent.