What is Accident Forgiveness

What is Accident Forgiveness?
You deserve some credit for having a solid driving record. If you're in an accident, we're here for you. After all, accidents just happen sometimes. We heard you. That's why we offer Accident Forgiveness (not available in CA, CT, and MA) to help keep your insurance rates affordable. GEICO Accident Forgiveness* can be earned or purchased. In other words, you may get Accident Forgiveness for free or you can buy it as an upgrade to your policy.

With Accident Forgiveness on your GEICO auto insurance policy, your insurance rate won't go up as a result of your first at-fault accident. We waive the surcharge associated with the first at-fault accident caused by an eligible driver on your policy. GEICO Accident Forgiveness is per policy, not per driver. If you have multiple drivers on your policy, any of the eligible drivers may use this benefit once.

How do I know if I have Accident Forgiveness on my GEICO policy?
Log in to your policy
Select your auto policy
An Accident Forgiveness notification may be shown as a reward
If you purchased Accident Forgiveness, you may have a few additional steps:

Select "My Policy Details"
Accident Forgiveness may be shown as an upgrade
How can I get Accident Forgiveness as a part of my car insurance policy?
Free Accident Forgiveness**
You earned it! It's our way of saying congratulations for reaching a milestone anniversary with GEICO and having maintained a clean driving record. This reward may be just around the corner. Don't worry; we'll be sure to let you know.

Upgraded Accident Forgiveness
This premium option is available in most states for you to purchase. Adding it to your policy may be cheaper than you think. Driving record and driving experience requirements must be met, but assuming you qualify; it's available upon initial purchase of your policy or at renewal time. Once used for an accident, the premium charge will be removed at the next renewal.

What are the benefits of Accident Forgiveness?
Greater peace of mind while driving
Worry less about your insurance rate increasing
Keep any good driver discounts
Score additional savings because your premium won't increase

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