Accident Forgiveness is an optional feature offered by some auto insurance providers that prevents a driver’s first at-fault accident from causing an increase in their premium. This benefit is typically available to drivers with a clean record and varies by insurer. It does not remove fault from an accident but helps policyholders avoid rate hikes. Some insurance companies offer accident forgiveness as a loyalty benefit, while others allow it as an add-on. Murphy Insurance Agency provides auto insurance options, including accident forgiveness programs, to help drivers manage their long-term insurance costs after an accident.

Portfolio Items