Does The Hartford Have Accident Forgiveness?

Last Updated on May 14, 2024

The Hartford offers accident forgiveness, helping drivers avoid higher premiums after a single at-fault accident.

If you have car insurance with The Hartford and cause an accident while accident forgiveness is active on your policy, then The Hartford may ignore the consequences of that accident.

Keep reading to find out everything you need to know about The Hartford’s accident forgiveness.

Key Takeaways:

  1. The Hartford’s accident forgiveness program allows drivers with a five-year clean record to avoid increased premiums after a single at-fault accident, providing financial stability and peace of mind.
  2. Adding accident forgiveness to your policy requires a small additional monthly fee, but can be significantly beneficial by preventing rate hikes after an initial at-fault accident.
  3. Assessing your likelihood of accidents and your financial ability to handle increased premiums without forgiveness is crucial in deciding whether to opt for The Hartford’s accident forgiveness coverage.

Yes, The Hartford Offers Accident Forgiveness

The Hartford is one of several major insurers offering accident forgiveness.

Here’s how The Hartford explains its accident forgiveness program and its requirements:

“We understand every driver makes mistakes. As long as all the drivers on your car insurance policy have a clean driving record for five straight years with The Hartford, you’ll qualify for accident forgiveness.”

Drivers must activate accident forgiveness before the accident occurs. You pay a few extra dollars per month to add accident forgiveness to your policy. As long as accident forgiveness is active, The Hartford will not raise rates after your at-fault accident.

How Accident Forgiveness Works with The Hartford

The Hartford’s accident forgiveness works similarly to accident forgiveness from other insurers:

  • If you and all drivers in your household have a clean driving record for five straight years with The Hartford, then you qualify for accident forgiveness.
  • A “clean driving record” typically means no accidents, speeding tickets, moving violations, or other incidents within the last five years.
  • You pay a few extra monthly dollars to add accident forgiveness to your car insurance policy, assuming you qualify for accident forgiveness.
  • Once accident forgiveness is active, The Hartford will effectively “ignore” a single at-fault accident on your insurance policy. If a driver in your household causes an accident while driving a covered vehicle, then The Hartford will not raise rates.
  • If you experience a second at-fault accident within five years, then you will pay higher premiums for that accident. However, you may be able to re-add accident forgiveness to your policy with The Hartford after five years if you and your household have a clean driving record (although some insurers only allow you to add accident forgiveness once per policy).

What Happens Without Accident Forgiveness Coverage?

If you don’t have accident forgiveness with The Hartford, then The Hartford raises rates after an accident.

Like all insurers, The Hartford may raise premiums significantly after an at-fault accident. Typically, insurance rates rise 20% to 50% after a single at-fault accident.

According to The Hartford, your premiums rise based on factors like:

If this is your second or third at-fault accident in a short period, then The Hartford could raise rates 100% or higher. In some cases, The Hartford even cancels auto insurance for high-risk drivers.

If this is your first accident after decades of safe driving, however, then The Hartford may only raise rates 20%, assuming you don’t have accident forgiveness.

Accidents may be removed from your record after three to seven years, depending on your state and company policy.

Is The Hartford’s Accident Forgiveness Worth It?

The Hartford’s accident forgiveness may or may not be worth it, depending on your driving history, aversion to risk, and ability to handle higher premiums in your budget.

Some of the factors to consider before adding The Hartford’s accident forgiveness to your policy include:

Can I Afford Higher Premiums? Premiums typically rise 20% to 50% after an at-fault accident – even if you previously had a clean driving record. Can you afford paying 20% to 50% more for auto insurance each month?

Am I Likely to Cause an Accident? Most people don’t expect to be involved in an at-fault accident shortly. However, certain factors increase your risk of an accident. Do you spend a lot of time driving? Do you drive more than 12,000 miles per year? Do you live in a high-traffic, high-density area? All of these factors increase the risk of being involved in an accident.

Is Someone in My Household Likely to Cause an Accident? You may be the world’s safest driver, but someone in your household may have higher risk. If all drivers in your house have five years of incident-free driving with The Hartford, you qualify for accident forgiveness.

Are You Averse to Risk? Many drivers avoid adding accident forgiveness to their car insurance policy because they’re okay with the higher risk. Other drivers are risk-averse, and they would rather pay a few extra dollars per month today in exchange for peace of mind. Accident forgiveness is an extra layer of security, giving you peace of mind a single accident won’t ruin your driving record.

Overall, accident forgiveness quickly becomes worth it if you experience a single at-fault accident while carrying accident forgiveness. It can help you avoid paying 50% higher premiums, which could save you hundreds or thousands of dollars in the next few years.

After considering all of these factors, you could decide accident forgiveness is worth it. Or, you may be okay with the added risk of going without it.

Final Word

The Hartford offers accident forgiveness to drivers across the United States.

If you and all drivers in your household have five years of clean driving history, you could qualify for accident forgiveness with The Hartford.

With The Hartford’s accident forgiveness, you’ll avoid paying higher insurance premiums after a single at-fault accident. Typically, The Hartford raises rates 20% to 50% after an accident.

Contact The Hartford or check your policy today to determine if The Hartford’s accident forgiveness is the right choice for you.

James Shaffer
James Shaffer James Shaffer is a writer for InsurancePanda.com and a well-seasoned auto insurance industry veteran. He has a deep knowledge of insurance rules and regulations and is passionate about helping drivers save money on auto insurance. He is responsible for researching and writing about anything auto insurance-related. He holds a bachelor's degree from Bentley University and his work has been quoted by NBC News, CNN, and The Washington Post.
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