What is accident forgiveness and how does it work?

Accident forgiveness means that if you have an at-fault accident while being insured by us, we’ll treat it like it didn’t even happen. In other words, your premium won’t be impacted by this claim upon renewal. This applies only to your first at-fault claim.

Heads up! If you switch insurers, you may be rated for this claim by your new provider.

We offer accident forgiveness automatically as long as you qualify for it:

  • You must be accident-free for the last six years.
  • You must not have had your auto coverage cancelled for non-payment in the last three years.
  • You must not have four or more minor convictions or any other major, serious or criminal convictions in the past three years.

Wondering if you qualify? If you have a quote, here’s how you can check:

  1. Under Your coverage details, scroll down to Bundles and Additional coverages. (For a saved quote, first click View details. This will take you back to Your coverage details.)
  2. Click All.
  3. Select Accident Forgiveness.
  4. For those drivers that qualify for Accident Forgiveness, it will say Included beside their names.

If you have an existing policy, here are the steps you’ll want to take:

  1. Log in to your Sonnet account and click on your auto policy.
  2. Select Policy details.
  3. Under the Coverage tab, scroll down to Bundles and Additional coverages. Make sure All is selected.
  4. Select Accident Forgiveness.
  5. For those drivers that qualify for Accident Forgiveness, their names will be listed.

You can also check your Policy Summary to confirm if accident forgiveness is included on your policy and see who it applies to. To access your Policy Summary:

  1. Log in to your Sonnet account and click on your auto policy.
  2. Select Download documents.
  3. Click Download under Your policy summary.