Accidents can happen to even the most careful drivers, but with accident forgiveness from Rockingham Insurance, your first at-fault accident doesn't have to result in higher premiums. Understanding what accident forgiveness is, how it works, and why it can be a valuable addition to your auto insurance policy can help you make informed decisions about your coverage.

How It Works

Rockingham Insurance offers Accident Forgiveness Plus, an earned feature that can be added to your policy at no extra cost. This optional coverage will begin rolling out in 2025 and is designed to safeguard you by preventing your premium from increasing after your first at-fault accident. To qualify, you must have been insured with Rockingham Insurance for at least three years without any at-fault accidents, major violations, or DUIs for any listed driver during that period. The feature typically resets after a few years without claims, usually three to five years. For more detailed information and specific restrictions that may apply, it’s best to speak with your Rockingham Insurance agent.

Why You Need It

For drivers who prioritize stability in their insurance rates, accident forgiveness is invaluable. It’s particularly advantageous for those who log many miles or drive under demanding conditions and acts as a reward for consistent safe driving. This feature ensures that your insurance premiums remain stable, even if you’re involved in your first at-fault accident.. 

Adding accident forgiveness to your auto insurance policy with Rockingham Insurance is a smart move that helps you avoid increased premiums after an at-fault accident. If you’re interested in learning more about accident forgiveness or adding it to your policy, contact your local Rockingham Insurance agent today. We’re here to help you find the best coverage to meet your needs and protect you on the road.