Will I lose my accident forgiveness if I am involved in a not at-fault accident?

Can I love accident forgiveness if I'm not at fault? I have been accident-free for 15 years and have earned free accident forgiveness on my policy. The other day, someone rear-ended my car while I was at a traffic light. It was deemed not at-fault, but I am worried this incident will make me lose my accident forgiveness benefit.

Answer provided by
Shannon Martin
Answered on Jul 07, 2021
Shannon is an expert in personal lines liability insurance with 13 + years of insurance industry experience. She also served as a special insurance liaison to AARP members for 6 of those years. She is a graduate of UL Lafayette and currently resides in NY with her family. Shannon is also an amateur juggler, ukulele player, and is a time travel paradox theory enthusiast.
“Many carriers offer accident forgiveness as a way to soften any increase that might happen to a policy if the driver is in an accident.
Every carrier has its own rules, so it would be best if you contacted your insurance carrier’s service department to inquire.
Some carriers will allow you to keep the benefit since you are clearly not responsible for the accident. Other carriers may remove it from your policy since you are no longer incident-free.
If the accident forgiveness is removed, ask your carrier when and if it can apply again.
Some carriers like Nationwide only allow for one change at accident forgiveness per policy.
Other carriers like GEICO, you can earn it back after a certain number of years.”

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