Accident Forgiveness Insurance Coverage

Customers can earn a discount for 3 years of accident-free driving. Get an even larger discount when you reach 5 years.1

What is Accident Forgiveness?

Accident Forgiveness is an additional coverage that you may qualify for that can be added to your auto insurance policy, where your price won't go up due to your first accident.

You may be eligible for this benefit if you have 3 years of accident-free driving. Get an even larger discount when you reach 5 years.

Liberty Mutual claims representative helps woman estimate her car’s damage.

Customized coverage that protects your rate after your first accident

Who’s is right for?

Drivers with a clean policy over the last five years may qualify. This includes:
  • No accidents in the last 3 years, regardless of your carrier.
  • No violations in the last five years.
  • Drivers 25 and under must total five consecutive clean years before their first accident is forgiven.

What are the benefits?

Drivers that qualify and purchase Accident Forgiveness coverage will benefit from:
  • The confidence of knowing that your price won't increase due to your first accident.
  • Potential long-term savings because your price was not increased after your first accident.

How Accident Forgiveness works

Log in to enroll

If you’re an existing Liberty Mutual customer, log in or connect with our sales team to find out if you’re eligible.
Accident Forgiveness

Your rate is protected

Once enrolled, Accident Forgiveness protects your rate if you need to file a claim because of your first accident.
Price Tag

Forgiveness at renewal

At renewal, your rate won’t increase due to your first accident. You are – in a word – forgiven!
1ACCIDENT FORGIVENESS NOT AVAILABLE IN CA. Terms and conditions apply.