USAA's Accident Forgiveness policy protects you from an increase in your auto insurance rates after your first at-fault accident. Your accident wavers, and your claim doesn't affect your yearly premiums or stop you from qualifying for good driver's discounts.
USAA provides the option for you to add accident forgiveness to your insurance policy. Your first at-fault accident is waived and doesn't show up on your driving record. This feature protects your insurance premiums from an average 20% rate increase after an at-fault accident.
Without this policy, it can take 3-5 years for accidents to clear off your record and for your rates to drop again.
Getting accident forgiveness allows you to maintain a clean driving record and continue qualifying for good driver's discounts.
There are a few requirements you need to meet to qualify for USAA's accident forgiveness policy, such as the following:
The amount you pay varies based on many different factors. The cost of USAA's accident forgiveness policy typically depends on the following:
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