Accident Forgiveness

Accident Forgiveness

If I have a car accident, will my insurance rates go up? 

Auto insurance premiums continue to rise in Ontario for a number of reasons including inflation, supply chain issues and labour shortages.  One way to protect your insurance rates is with the accident forgiveness endorsement.

Accident forgiveness allows you to protect your driving record after a first at-fault accident.  This means that your first at-fault accident will be treated as if it never happened. Your auto premium will not increase as a direct result of the accident, and you will keep your claims-free status as long as you maintain your insurance with the same provider. 

Single vehicle accidents, such as losing control of your vehicle on black ice or backing into a pole in a parking lot are considered at-fault.  If you have accident forgiveness and you are involved in a single-vehicle accident which is your first at-fault loss, your rate will be protected. 

If you are involved in a car accident in which you are 100% not at-fault, your rates will not be impacted and the accident forgiveness endorsement will remain available for use. 


How do I know if I have accident forgiveness?

Unfortunately, not all insurance companies use the same language when it comes to this endorsement.  Technically speaking the endorsement is called OPCF 39, but you may see it listed on your policy as Responsible Driver Guarantee Endorsement, Accident Waiver Endorsement, Protection Plus or Driving Record Protection Endorsement. 

If you are not sure if you have this coverage contact your broker today to review your policy and ensure your rates are protected. 


How do I know if I am eligible for accident forgiveness?

In order to qualify for accident forgiveness you need to be the principal operator of the vehicle and have a clean driving record.  Generally speaking, in order to qualify for this endorsement you need to be licensed to drive in Ontario and accident free for a minimum of 6 years.  

If you would like to know if you qualify for this endorsement, contact your broker today to review your eligibility.