Accident Forgiveness

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Discover discounts and benefits with the AARP Auto Insurance Program from The Hartford.
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What Is Accident Forgiveness?

Accident Forgiveness The AARP® Auto Insurance Program from The Hartford1 offers Accident Forgiveness as a benefit to give drivers with a good record a break if they have an accident.‡
 

How Does Accident Forgiveness Work?

Whether you’re the driver or the passenger, going through an accident can be stressful. Not only do you have to deal with emotions from the collision, but you’ll also have to think about what to do afterwards, including:
 
  • Calling your insurance company to report the accident
  • Taking photos of the cars to document any damage
  • Getting the necessary information from the other driver
  • Contacting a towing company
What Is Accident Forgiveness If all drivers on your car insurance policy have a clean driving record for five consecutive years with The Hartford, you'll qualify for Accident Forgiveness.
 
 
 

How Long Does an Accident Stay on Your Record?

Accidents and tickets generally stay on a driving record for three to five years. That’s why it’s important to be a good driver and practice caution. After this window of time, these accidents or tickets will be removed from your record, you’ll be accident free and your car insurance may go down. So, if your last collision or ticket was six years ago and you’ve had a clean driving record since, you may see your car insurance premium decrease when you renew.
 
It’s also important to note that insurance companies look at your driving record when you’re getting a quote. If an accident or ticket shows up on your record, this can raise your rates.
 
Alternately, you can get car insurance discounts for being a safe driver. For example, if your car has more than one airbag.
 
Contact our representatives at 888-546-9099 to determine what coverages you need and to get a car insurance quote.
 

How Much Does Insurance Go Up After an Accident?

If you’re involved in an accident and are at-fault, your car insurance premium will likely increase if you don’t have first accident forgiveness coverage. However, the total rate increase can vary based on the severity of the accident and your previous driving history. At The Hartford, we know accidents happen and that’s why our insurance offers AARP members the protection they need with important benefits.
 
The Hartford also offers other AARP member benefits and discounts, including:
 
  • AARP discount: Savings of up to 10% just for being an AARP member.
  • AARP Home and Auto Insurance Bundle: Save money when you bundle your auto and home policies.**
  • New Car Replacement Coverage:§§ If you total your new car, we’ll replace it with a new one of the same type.
  • RecoverCare:§ This coverage can provide reimbursements on home services, like house cleaning, that you’re unable to do after an accident.
  • Disappearing Deductible:‡ If you renew your policy, and maintain a clean driving record, your collision insurance deductible can decrease over time.
We’re here to help protect you and other drivers while on the road with the AARP Auto Insurance Program from The Hartford. If you’re involved in an accident, we’ve got your back. Our team can help walk you through the claims process and answer any questions.
 

Get a Quote for Car Insurance

Car Insurance With Accident Forgiveness To learn more about our auto coverages, get a car insurance quote today or call our representatives at 888-413-8970. They’ll answer any questions you may have about car insurance coverages. You can also check out our auto insurance definitions page to see more of our benefits, discounts and policies.
 
** Average savings amounts based on information reported by customers who switched to The Hartford from other carriers between 1/1/22 and 12/31/22. Your savings may vary. Average auto insurance savings is $507 and average home insurance savings is $120. Rate differences for AARP members and non-members vary by state and AARP membership tenure. Auto/Home discount is available only to policyholders who have both their auto and home (or condo or renters) insurance through the AARP Auto & Home Insurance Program from The Hartford. The Home product is not available in all areas, including the state of Florida.
 
§ Availability of RecoverCare benefit and benefit levels vary by state. The Hartford RecoverCare Advantage® is a registered mark of The Hartford.
 
§§ Terms and conditions apply.
 
‡ Terms and conditions apply. Accident Forgiveness and the Disappearing Deductible are not available to CA policyholders.
 
‡‡ Terms and conditions apply. Availability varies by state.
 
Additional disclosures below.
Summaries of coverages and policy features are for informational purposes only. In the event of loss, the actual terms and conditions set forth in your policy will determine your coverage.
 
AARP and its affiliates are not insurers. Paid endorsement. The Hartford pays royalty fees to AARP for the use of its intellectual property. These fees are used for the general purposes of AARP. AARP membership is required for Program eligibility in most states.
 
The AARP Auto Insurance Program from The Hartford is underwritten by Hartford Fire Insurance Company and its affiliates, One Hartford Plaza, Hartford, CT 06155. It is underwritten in AZ, MI and MN by Hartford Insurance Company of the Southeast; in CA, by Hartford Underwriters Insurance Company; in WA, by Hartford Casualty Insurance Company; in MA, by Trumbull Insurance Company; and in PA, by Nutmeg Insurance Company and Twin City Fire Insurance Company. The AARP Home Insurance Program from The Hartford is underwritten by Hartford Fire Insurance Company and its affiliates, One Hartford Plaza, Hartford, CT 06155. It is underwritten in AZ, MI and MN by Hartford Insurance Company of the Southeast; in CA by Property and Casualty Insurance Company of Hartford; in WA, by Trumbull Insurance Company; in MA, by Trumbull Insurance Company, Sentinel Insurance Company, Hartford Insurance Company of the Midwest, and Hartford Accident and Indemnity Company; and in PA, by Nutmeg Insurance Company. Home product is not available in all areas, including the state of FL. Savings, benefits and coverages may vary and some applicants may not qualify. The Program is currently unavailable in Canada and U.S. Territories or possessions.
 
1 In Texas, the Auto Program is underwritten by Redpoint County Mutual Insurance Company through Hartford of the Southeast General Agency, Inc. Hartford Fire Insurance Company and its affiliates are not financially responsible for insurance products underwritten and issued by Redpoint County Mutual Insurance Company. The Home Program is underwritten by Hartford Insurance Company of the Southeast.
 
* Customer reviews are collected and tabulated by The Hartford and not representative of all customers.
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