事故宽恕:如何运作&哪些保险公司提供?

这篇文章继续从我妻子那里学到的教训’s 车祸故事.




首先,我们讨论了 驾驶课减分 在您的记录上。然后我们聊了各种 汽车保险类型 当您在事故中有过失时,承保范围和承保范围。

在这篇文章中,我们’ll discuss auto insurance 事故宽恕, what it is, how you can become eligible for it, and which auto insurers offer it. Also, before you get to this point, it is also beneficial to know 在离开现场之前发生事故时该怎么办 在保险公司获得最好的结果。

事故宽恕如何运作?

事故宽恕

发生车祸时,会累积各种费用。

首先,如果您有错,通常会收到交通引用。如果维修范围足够大,可以提出保险索赔,则必须支付保险免赔额。引用可以增加您的记录积分,从而可以增加您的汽车保险费。此外,由于要提出伤害,您的保险费可能会因您提出索赔而增加。

The latter is where 事故宽恕 comes in.




许多保险公司将提供“accident 原谅ness” as a perk for signing up as a customer of theirs. There is no auto insurance industry standard definition of 事故宽恕 –它可能因公司而异。基本思路是,汽车保险提供商将“forgive”通过不增加保费来避免意外。

The 原谅ness has nothing to do with points on your driving record. Your driving record is connected to the government. A company forgiving you WILL NOT wipe out your points or accidents from your driving record.

Accident 原谅ness is specific to the company offering it only. If you move to a new auto insurer, there is a possibility they will factor the accident into your insurance premium, even if your previous insurer forgave you.

您如何获得事故宽恕的资格?

Every auto insurance company has a slightly different take on 事故宽恕.

In general, there are three circumstances in which an insurer would offer 事故宽恕:

  1. 新客户获取: auto insurance companies realize that you are less prone to move to them if they are going to punish you for a past accident, so a number of them offer 事故宽恕 to customers with a recent blemish in their driving record.
  2. 客户忠诚度: some insurers offer 事故宽恕 to customers who have been with them for a certain length of time.
  3. 行驶记录历史: 许多保险公司要求驾驶员在一定时间内拥有清晰的驾驶记录。

Some require both loyalty and a clear driving record to qualify for 事故宽恕.

什么 汽车保险 Companies Have Accident Forgiveness?

Accident 原谅ness has become extremely popular in the auto insurance industry as a means to attract and retain loyal (and safe) customers, and a number of companies now offer some variation (which can vary from state to state):

自由共同体: This is our personal insurer. Because we had zero accident or citations in a long time, we were eligible for 事故宽恕 with 自由共同体. There was no additional charge for 事故宽恕. With 自由共同体, you are eligible with 5 years of accident and violation-free driving, regardless of when you switched to them.

全州: At Allstate, 事故宽恕 comes if you upgrade to their YourChoice Auto plan, which has a cost premium. No set premium increases are noted, you must talk to an agent. Forgiveness at a price? Probably not worth it.

全国: 全国 事故宽恕 is an option you buy and can be used on only one accident per policy. If you have 5 years without an accident, you can get a 10% discount.

Geico:根据Geico:

“事故宽恕仅适用于您的第一次事故。您的保险费赢了 ’由于您的第一个本应附加收费的过失事故而上升。随后发生的事件不符合事故原谅的资格。事故原谅的资格取决于您的特定政策类型以及您所在州的法律和法规。条款根据州法律而有所不同。”

您必须在3-5年内无事故。

进步: on the 进步 site, the only mention of 事故宽恕 is,

“通过Progressive的忠诚度奖励计划,我们为您庆祝!您会自动注册并立即获得奖励。该计划的特色包括省钱折扣和意外宽恕。”

The 事故宽恕 perk is an area that auto insurers are not being very transparent about, clearly.

关于事故宽恕的最终说明:

自由共同体似乎拥有最好的事故原谅政策,但是我当然不建议仅出于汽车事故原谅的事实而选择汽车保险。价格和那家公司’声誉是更重要的因素。如果您选择一家不提供意外宽恕的保险公司,那不是世界末日–如果他们提高了您的价格,则可以进行价格比较,然后转到其他地方。

但是,如果您曾经出过事故并且“forgiven”事后看来,这看起来真是太好了。

不过很遗憾,您的汽车保险索赔仍会显示在您的 线索报告 如果您要更换保单,则适用于未来的保险公司。

事故原谅讨论:

  • Have you used 事故宽恕?
  • How does your auto insurer do 事故宽恕? How much does it cost?

相关文章:

30条留言

  1. 托尼
  2. 沃伦
    • 大卫
  3. 约翰
  4. 珍妮·格罗特
  5. 哈里@ PF Pro
  6. 吉尔
  7. 蒂娜·威尔逊(Tina Wilson)
  8. 卡尔顿
  9. 普里西拉
    • 纯BS
    • 凯文·布克奈特
  10. 安娜
    • 丹尼斯
      • 巴里·本尼迪克特(Barry Benedict)
    • 约翰
    • 克里斯
  11. 大卫·哈
  12. 贝丝·M
  13. 米奇·莱斯特
  14. 伊莱恩
  15. 萨凡纳
    • 达娜
  16. 纳兰夫人
  17. LP
  18. 蒙特
  19. 莎拉
  20. 卡森
  21. 苏珊娜

加入10,000多名读者&通过电子邮件免费获取新文章。

感谢您的订阅!

糟糕,请重试。