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Accident Forgiveness

Car Accident Attorney Indianapolis

Accident Forgiveness is a program offered by insurance companies that ensures rates will not increase after your first at-fault car accident. To determine if you need or want accident forgiveness coverage, you should know what it is, if there is a cost benefit, and whether you are eligible for the program.

Though accident forgiveness is a program that will promise not to increase your premiums after your 1st accident, it is important to understand that it will not erase your driving record. So, if you switch insurance companies or if your insurance company chooses to drop you, other insurers will be able to see past – forgiven – accidents which will likely play into how much insurance will cost in the future.

Eligibility

Most insurance companies differ on their eligibility standards. The majority require a driver to be accident free for 3 to 5 years. Some companies allow you to purchase or earn it with an accident free driving record. Others, like Progressive, use a loyalty program. Progressive requires their drivers to carry a Progressive insurance policy for a certain amount of years and be accident free before you will quality. Most insurance companies will only forgive one accident per household, not per driver.

Cost

It is important to determine whether the cost of accident forgiveness will outweigh the benefits. As mentioned above, usually a clean driving record is needed to qualify for the program. So it may seem that you are paying for an accident you may never cause, though accidents are unexpected and a NerdWallet report showed that insurance premiums increased an average of $566 per year or 44% after one at-fault accident on their record. The length of time an accident stays on your record will depend on the company, but ranges from 3-5 years.

The cost of accident forgiveness varies depending on the state on the amount of coverage. Some insurance companies charge their drivers a flat flee while other charge a percentage of the premium. Depending on the state and insurance company, NerdWallet has found that Nationwide charged $35 – $117 per year in Illinois and $40 – $70 per year in Ohio. While Geico charged 5% in Illinois, Ohio, and Oregon, and 7% in Pennsylvania.

The additional charges can add up if you continue to pay for accident forgiveness without getting into an accident, but if you believe you are at an increased risk or maybe have teenage drivers, then the cost may be worth it. To further determine if Accident Forgiveness is for you, research into your state and insurance company would be worth your time.

 

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FAQs
Our Fees

It cost $0 up front to hire our office. We work on a contingency fee basis, which means you only pay us if we settle your case or obtain a verdict on your behalf.

If we’re unable to obtain a settlement of verdict for you we eat the costs we’ve advanced to litigate your case, which includes costs for ordering medical records, filing your case, hiring experts, deposing witnesses, and many other things.

If we do settle your case or obtain a verdict for you our standard rate is 33% of the settlement or verdict, plus reimbursement for the expense we’ve previously advanced. Our fee never increases like some personal injury attorneys, even if we have to take your case to trial.

Our Fees

It cost $0 up front to hire our office. We work on a contingency fee basis, which means you only pay us if we settle your case or obtain a verdict on your behalf.

If we’re unable to obtain a settlement of verdict for you we eat the costs we’ve advanced to litigate your case, which includes costs for ordering medical records, filing your case, hiring experts, deposing witnesses, and many other things.

If we do settle your case or obtain a verdict for you our standard rate is 33% of the settlement or verdict, plus reimbursement for the expense we’ve previously advanced. Our fee never increases like some personal injury attorneys, even if we have to take your case to trial.

Case Worth

As a victim, establishing damages, negotiating with the insurance company, or filing a lawsuit can be daunting and next to impossible without the assistance of an experienced lawyer. As a result, if you have been hurt in an accident, it is important that you contact an attorney as soon as possible to help you recover the compensation to which you are entitled under Indiana law.

Why Hire?

Choosing an attorney that has experience dealing with personal injury law is important to protect your legal rights. If you are trying to recover damages from a business or other type of organization, you can bet that they are going to have a legal team on their side.

Medical Bills

If you were injured by an accident you may be struggling to determine who is responsible for paying your medical bills and holding them accountable. Speak to an experienced personal injury lawyer at The Law Office of William W. Hurst and learn if we may be able to help.

Recovery

After you have been injured, you are entitled to compensation. The type and amount of compensation depends on the injury, bills, the cause of the injury, negligence/bad faith of the defendant, etc. The attorney you retain can also heavy influence your recovery through knowledge, experience, and dedication. Legal terms and phrases can be confusing even after you retain an attorney. If you have been injured, you may wonder how much your case is worth or what your “damages” are. The worse the injuries, the higher the value of the case and the greater need for an experienced attorney