Accident Forgiveness

For drivers with good driving records, Travelers offers accident forgiveness when you choose to purchase one of our Responsible Driver Plans.

What Is Accident Forgiveness?

Accident forgiveness is an optional feature that can be added to your car insurance policy if you qualify for it, and it can help avoid a rate increase due to an accident. Since accidents can happen, it's not unusual for responsible drivers to be concerned about the possible impact on their premium from an accident or traffic violation down the road. Accident forgiveness may be worth exploring if it is available in your state.*

Who Is Accident Forgiveness Right For?

Check with your local independent agent or Travelers representative to learn what criteria must be met to have accident forgiveness on your car insurance policy. Also, keep in mind that your clean driving record alone may not be enough. Accidents and violations for other drivers in your household may be considered.

Responsible Driver Plan^SM

For extra peace of mind, consider Travelers Responsible Driver Plan, which offers accident forgiveness and minor violation forgiveness. These are optional features that can help you avoid a car insurance premium increase following either your first covered accident or your first minor violation.

Accident Forgiveness

With Travelers Responsible Driver Plan, the Accident Forgiveness feature forgives one accident over a specified period and can help protect you from a premium increase due to that accident.

Minor Violation Forgiveness

With Travelers Responsible Driver Plan, the Minor Violation Forgiveness feature forgives one minor violation over a specified period, so you won't pay more for your car insurance solely due to your first minor traffic violation as a Travelers customer.

Premier Responsible Driver Plan^®

For greater peace of mind, Travelers offers the Premier Responsible Driver Plan which, in addition to the accident and minor violation forgiveness benefits in the Responsible Driver Plan, includes Decreasing Deductible^® and Total Loss Deductible Waiver. When you purchase the Premier Responsible Driver Plan, your deductible can decrease over time, providing you with a potential savings of up to $500, or your deductible may be waived entirely in the event of a total loss.

Decreasing Deductible^®

With Travelers Premier Responsible Driver Plan Decreasing Deductible feature, on a six-month policy, for every six months that all drivers on the policy are accident or major violation free, you can earn a $50 credit up to $500 to be applied toward your deductible in the event of a covered loss. On a year-long policy, for every 12 months that all drivers on the policy are accident or major violation free, you can earn a $100 credit up to $500 to be applied toward your deductible in the event of a covered loss.

Total Loss Deductible Waiver

When you purchase the Premier Responsible Driver Plan, with the Total Loss Deductible Waiver feature, you won’t have to pay a deductible if your car is totaled.

Contact your local independent agent or Travelers representative to learn more, review your current coverage, or get a car insurance quote today.