Can you tell me how accident forgiveness works on a car insurance policy?

I'm shopping for my first car insurance policy. Some companies are offering accident forgiveness. How does this work?

“Accident forgiveness is a benefit that prevents your premium from rising after your first at-fault car accident. Some car insurance companies offer it for free, while others charge for it.
The eligibility requirements for accident forgiveness vary among insurers. If you have multiple accidents or moving violations on your driving record, it’s unlikely that you’ll qualify.
Many of the big-name insurance companies offer accident forgiveness, including Allstate, Progressive, GEICO, and Nationwide.”
Carol Chung
Answered on Apr 23, 2021

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