Disappearing Deductible and Accident Forgiveness

If you have Accident Forgiveness, your insurance premium won’t increase because of an at-fault accident. This will save you thousands of dollars over the term of the surcharge …

Johnson & Rohan Insurance

There are two terrific endorsements that some insurance companies in Massachusetts offer: Disappearing Deductible and Accident Forgiveness.

Safety Insurance, for example, offers a nifty endorsement called the “Shield Plus” endorsement.

It’s only available if you’re a “99” or “98” driver (violation and accident free for at least 5 years) and costs $35 annually, per vehicle.

The endorsement includes:

  • -$500 Disappearing Collision Deductible Credit
  • Accident Forgiveness (If in an accident during the policy term, Safety Insurance will not apply additional accident surcharge points to your driving record!)
  • Air Bag Coverage
  • Personal Effects Coverage
  • Rental vehicle Loss of Income
  • Emergency Road Travel Expenses
  • Supplemental Towing & Labor
  • Extended Substitute Transportation
  • Seat Belt Coverage
  • Pet Coverage
  • Extended Substitute Transportation

Often we recommend this endorsement. If you presently carry a $500 Collision deductible, you can typically save between $100 – $400 annually by carrying a $1,000 Collision deductible.

The Safety Shield Plus endorsement, with it’s -$500 disappearing deductible feature, lowers the $1,000 deductible to $500.

Even better than the deductible is Accident Forgiveness.

If you have Accident Forgiveness, your insurance premium won’t increase because of an at-fault accident. This will save you thousands of dollars over the term of the surcharge.

Give us a call or click to find out more.

Thank you for insuring with Johnson & Rohan Insurance.