Accident Forgiveness Insurance Coverage

With Accident Forgiveness, your price won't go up due to your first accident.1

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What is Accident Forgiveness?

Accident Forgiveness is an additional coverage that you may qualify for that can be added to your auto insurance policy, where your price won't go up due to your first accident.

You may be eligible for this benefit if you have 5 years of accident-free driving. Get an even larger discount when you reach 5 years.

Liberty Mutual claims representative helps woman estimate her car's damage

Customized coverage that protects your rate after your first accident

Who is Accident Forgiveness right for?

Drivers with a clean policy over the last five years may qualify. This includes:
  • No accidents in the last 5 years, regardless of your carrier.
  • No violations in the last five years.
  • Drivers 25 and under must total five consecutive clean years before their first accident is forgiven.

What are the benefits?

Drivers that qualify will benefit from:
  • The confidence of knowing that your price won't increase due to your first accident.
  • Potential long-term savings because your price was not increased after your first accident.

How much does insurance go up after an accident?

It all depends on the details of the accident, including the cost of damages and severity. One thing is for sure, without Accident Forgiveness, you can expect your rate to increase after if you're at fault.

How Accident Forgiveness works


Log in to enroll

If you're an existing Liberty Mutual customer, log in or connect with our sales team to find out if you're eligible.

Your rate is protected

Once enrolled, Accident Forgiveness protects your rate if you need to file a claim because of your first accident.

Forgiveness at renewal

At renewal, your rate won't increase due to your first accident. You are - in a word - forgiven!

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