Does Liberty Mutual Have Accident Forgiveness?
Last Updated on October 16, 2023
Liberty Mutual, like many insurers, offers accident forgiveness to help drivers avoid higher premiums after an at-fault accident.
By adding accident forgiveness to your car insurance policy, you can save money on car insurance after a collision. Some drivers pay to add accident forgiveness to their Liberty Mutual policy, while other drivers earn it for free after 5 years of accident-free driving.
Keep reading to discover everything you need to know about Liberty Mutual’s accident forgiveness and how it works.
Table of Contents:
- How Does Liberty Mutual’s Accident Forgiveness Work?
- How to Get Accident Forgiveness with Liberty Mutual
- Benefits of Liberty Mutual Accident Forgiveness
- How Much Does Liberty Mutual Raise Rates After an Accident?
- How to Use Liberty Mutual Accident Forgiveness
- Is Liberty Mutual’s Accident Forgiveness Worth It?
- Where Is Liberty Mutual’s Accident Forgiveness Available?
How Does Liberty Mutual’s Accident Forgiveness Work?
Liberty Mutual offers accident forgiveness to help you avoid higher premiums after a single at-fault accident.
If you have accident forgiveness, then Liberty Mutual will not raise your premiums after you, or any eligible driver, causes an accident.
Typically, Liberty Mutual and other insurers raise premiums 20% to 50% after a single at-fault accident. After multiple at-fault accidents, Liberty Mutual could double or even triple insurance premiums.
Carrying accident forgiveness also allows you to maintain your safe driving record after an at-fault accident. Without accident forgiveness, you would lose your safe driving record.
How to Get Accident Forgiveness with Liberty Mutual
Liberty Mutual offers accident forgiveness to certain qualifying drivers. If you meet Liberty Mutual’s qualifications, then you may add accident forgiveness to your policy for an added cost.
You may meet Liberty Mutual’s accident forgiveness eligibility standards if you meet the following criteria:
- No accidents in the last 5 years with Liberty Mutual or any other insurance carrier
- No violations in the last 5 years
- Drivers 25 and under must have 5 consecutive clean years before their first accident is forgiven
In other words, most drivers with a clean policy over the last 5 years may qualify for Liberty Mutual’s accident forgiveness.
If you qualify, then you can add accident forgiveness to your policy for a few extra dollars per month.
Benefits of Liberty Mutual Accident Forgiveness
There are multiple benefits to adding Liberty Mutual’s accident forgiveness to your policy, including:
- The confidence of knowing Liberty Mutual won’t raise your insurance premiums after your first accident
- Long-term savings because you did not pay higher premiums after an accident
- Keep your safe driving discount
- Get peace of mind
A single at-fault accident can make accident forgiveness worth it. Just one at-fault accident can lead to thousands of dollars in higher premiums over the next few years. If you have accident forgiveness and use it, then you’re saving a considerable amount of money – in addition to the perks listed above.
How Much Does Liberty Mutual Raise Rates After an Accident?
Liberty Mutual and other insurers may raise rates anywhere from 20% to 50% or more after a single at-fault accident.
The specific amount of the raise depends on the details of the accident, the cost of the damages, and the severity of the incident, among other factors.
Typically, you’ll pay higher rates for 3 to 5 years after an accident. However, the specific length of the higher rates depends on several factors, including your driving history and the severity of the incident.
How to Use Liberty Mutual Accident Forgiveness
Here’s how to use Liberty Mutual’s accident forgiveness for the first time:
Step 1) Login to enroll. If you’re an existing Liberty Mutual customer, then login to your account or contact the company’s customer service to see if you’re eligible.
Step 2) Protect your rate. After you’re enrolled in accident forgiveness, you will not pay higher rates after your first at-fault accident.
Step 3) Forgiveness at renewal. Typically, Liberty Mutual would raise insurance rates at your next renewal after an at-fault accident. With accident forgiveness, Liberty Mutual forgives your at-fault accident, which means the accident will not raise your rates.
Your accident forgiveness stays active until a single at-fault accident, at which point it disappears from your account. If you get into a second at-fault accident within the next few years, then Liberty Mutual will raise premiums. You may re-qualify for accident forgiveness after 5 more years of clean driving history.
Liberty Mutual’s accident forgiveness applies to you and any eligible drivers. If someone in your household is driving your vehicle and causes an accident, for example, then Liberty Mutual’s accident forgiveness can forgive that accident and prevent higher premiums.
Is Liberty Mutual’s Accident Forgiveness Worth It?
Liberty Mutual’s accident forgiveness may or may not be worth it, depending on your driving history, aversion to risk, and insurance needs.
If you are accident-free for 5 years, then you may qualify for Liberty Mutual’s accident forgiveness, which means you won’t pay higher rates. Liberty Mutual does not disclose how much accident forgiveness costs – if anything. However, it’s up to you to determine whether or not it’s worth it based on your budget and aversion to risk.
If you get into an accident within the next few years, then accident forgiveness instantly pays for itself. A single accident can cost you thousands of dollars in higher premiums. When you have accident forgiveness, you avoid these higher premiums and save money.
Where Is Liberty Mutual’s Accident Forgiveness Available?
Liberty Mutual is available in most of the United States.
Some states, including California, make it harder for insurers to offer accident forgiveness, which is why Liberty Mutual does not offer accident forgiveness in California and select other states.
Final Word on Liberty Mutual’s Accident Forgiveness
Liberty Mutual offers accident forgiveness to help you avoid higher premiums after a single at-fault accident.
If you have accident forgiveness on your Liberty Mutual policy, then the company will forgive your first accident and not raise your rates.
You qualify for Liberty Mutual’s accident forgiveness after 5 years of safe driving history. Call Liberty Mutual at 1 (800) 290-8711 or log into your online account to add accident forgiveness to your policy.
