Accident Forgiveness is an auto insurance option where customers pay a higher premium in exchange for their rates not increasing after a first at-fault accident. However, the document argues this is an "idiotic idea" since customers already pay annual premiums and insurers should not raise rates at all for unavoidable accidents. It suggests insurers take advantage of customers' fears to profit, and questions why forgiveness needs to be paid for separately rather than included in standard coverage.

1. “Accident Forgiveness”, the new insurance terminology!
You pay the insurance company with a higher premium for this “accident forgiveness
“Forgiveness” is the act of compassionately releasing the desire to punish someone or yourself
for an offense. It’s a state of grace.
“Accident Forgiveness” available in select states, is an auto insurance option that helps you
avoid a rate increase following the first at-fault accident on your policy.
”. What an idiotic idea is that when you pay every year for automobile insurance and they, as
the almighty or higher power provide “forgiveness”. What they say is your rate will not increase!
Why should the companies raise the premium in the first place when unfortunately I met with an
accident involving my car? If this is a case can be extended to health insurance, they would
increase your premium every time you are sick and visit a doctor or admitted in a hospital!
Well, insurance companies are capitalizing on our “fear” and make millions and they know very
well that if you “forgive” the timid and fearful one, they would be sticking on to you forever!
Lord, Please forgive them. They do not know what they are doing!