over the last five years (no car accidents or traffic tickets). If you qualify, your next at-fault accident will not result in a surcharge on your policy.
With Liberty Mutual, accident forgiveness is an optional endorsement that can be added to your policy.
Accident forgiveness must be purchased as an optional endorsement from Liberty Mutual product—you can add it to your policy if you qualify\. That said, it may be available for purchase from other insurance companies.
Accident forgiveness applies to everyone on the policy, so you’ll only be forgiven one accident per policy, not per driver.
Even if you don’t have accident forgiveness, an insurance surcharge won’t last forever if you avoid subsequent claims.
Does Liberty Mutual offer accident forgiveness for auto insurance?
Yes, Liberty Mutual offers accident forgiveness as an add-on to your policy (not available in California). This benefit is available as an optional endorsement for Liberty Mutual policyholders who qualify (more on this next).
is an optional coverage from Liberty Mutual. For example, you’ve historically been a safe and responsible driver. But one day, you completely miss a stop sign and cause a minor fender bender.
Liberty Mutual doesn’t want to punish you for this out-of-character incident. If you have accident forgiveness coverage, they waive the surcharge that would normally be added to your insurance premium after an at-fault accident.
In order to qualify for Liberty Mutual's accident forgiveness, your driving record must reach the following safety milestones:
No accidents in the last five years
No violations in the last five years
Drivers 25 and under must total five consecutive clean years before their first accident is forgiven
So once you’ve earned accident forgiveness, you’ll avoid the surcharge on your next at-fault accident! However, we should clarify something: accident forgiveness depends on the driving records of all members named on the policy.
For example, even if you have a three-year safe driving streak going as a parent, your teenager could send your whole shared policy back to zero with an accident. In addition, once you do hit the five-year mark without any accidents or violations, you only get one accident forgiveness instance per policy (not per driver).
to go up considerably, so accident forgiveness can bail you out of a pretty uncomfortable financial situation.
Of course, your exact rate hike will vary based on the nature of the accident, your history of insurance claims, and local rates. But, nevertheless, any increase greater than 0% is something worth your attention.
in an accident? In instances of a hit-and-run or getting rear-ended at a stop light (where you have 0% responsibility), your car insurance rate shouldn’t usually increase—although it may still go up in some cases. Also, if this happens, you shouldn’t have to use your accident forgiveness coverage either!
What other car insurance companies have accident forgiveness?
Liberty Mutual only offers accident forgiveness as a purchasable product—if you qualify, you can add it onto your policy. However, most insurance companies use a combination of both models, as we detail below:
As we’ve discussed, Liberty Mutual’s accident forgiveness is a no-cost reward for having a (recent) clean driving record. Which is nice, considering other insurance companies charge between $15 and $60 annually for accident forgiveness.
Is Liberty Mutual’s accident forgiveness worth it?
Accident forgiveness can save you a lot of money after your first at-fault accident, so it’s definitely “worth it” if you qualify! And accident forgiveness isn’t the only perk of having a clean driving record. You may also be eligible for Liberty Mutual’s Claims-Free Discount and Violation-Free Discount.
Even if you don’t have accident forgiveness, a surcharge on your insurance rate after an accident isn’t permanent. As long as you don’t have any subsequent accidents, Liberty Mutual will slowly reduce your rate as you re-prove that you’re a safe driver.
But if money is tight and you don’t have time to wait, here are some ways to customize your Liberty Mutual policy for more immediate financial relief:
are easy ways to lower your car insurance instantly. However, you’ll be taking on a lot more financial risk, so chances are good it’s not worth the short-term savings.
If you change your liability coverage limits, be aware that you’ll have to pay out-of-pocket for any damages over your policy limit that you cause to other drivers in an accident where you’re at fault. That could leave you owing thousands of dollars!
Also, if you have a lease or a car loan on your vehicle, you may be required to maintain full-coverage insurance, so be sure to double-check with your lienholder before changing your insurance.
Finally, you should always choose a deductible that you’d be able to comfortably come up with over the courses of about a week. It typically takes about 3-5 days after an accident to get a vehicle repaired, so you’ll need to have your deductible ready.
Good driver discounts
While scrubbing your driving record clean may take some time, you can put your money where your mouth is by using Liberty Mutual’s RightTrack program.
This telematics application tracks your driving in real-time. So regardless of your driving record, you could earn up to a 30% discount by proving your safe habits to Liberty Mutual. Also, the discounts start at 10% just for enrolling!
Liberty Mutual claims you can save $947 when you bundle your auto and
Here’s the thing, car insurance companies have to spend money to process a car accident claim. So the safer you are as a driver, the more profitable you are to them.
But Liberty Mutual doesn’t want this to be a one-sided business relationship. That’s why they offer their accident forgiveness to policyholders who have a clean driving record over the last five years!
4.7/5 App Store Rating. Trusted by 2+ Million Customers.
Will Liberty Mutual drop me after two accidents?
Liberty Mutual has no straightforward rule for dropping coverage after two accidents—but it is possible. It will depend on the context of the accidents, like if you were at fault, the severity of damages, and if other factors were involved (such as alcohol).
Does Liberty Mutual have a deductible?
Yes, Liberty Mutual has deductibles on its comprehensive and collision coverages, but all other coverages will be subject to your policy limits.
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