---
title: Auto-Owners At-Fault Accident Forgiveness
---

# Auto-Owners At-Fault Accident Forgiveness

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## Auto-Owners At-Fault Accident Forgiveness

- Posted on Sunday, April 13, 2025

Let’s face it—accidents happen. Whether you spaced out at a red light or got a little too confident during a Michigan snowstorm, even careful drivers can have a slip-up behind the wheel. The good news? If you’re insured with Auto-Owners and carry their _At-Fault Accident Forgiveness_ coverage, your first mistake might not cost you in the long run.

### Here’s how it works:

Auto-Owners' _At-Fault Accident Forgiveness_ is an optional endorsement that waives the **accident surcharge** on your policy after your **first at-fault accident**. That means your premium won’t shoot up because of one bad day.

### Who’s eligible?

To qualify, you must have a clean record—no paid at-fault accidents or major violations in the past 36 months. And if you use the benefit? You can earn it again after another 36 claim-free months.

That’s right: it’s not a one-time deal. As long as you stay clean for three years, you can become eligible again.

### A few important things to note:

- You can only forgive **one accident every 36 months.**

- The forgiven accident **can still be considered for non-renewal** (so it’s not a get-out-of-jail-free card).

- It won’t mess with your **existing discounts** —like your Diminishing Deductible or Driver Safety Program Discount.

### So, should you add it?

If you’re a generally safe driver and want some peace of mind, this benefit is often worth the small cost. It’s a smart way to protect your premium from an unexpected bump in the road.

Want to see if you’re eligible? Let’s take a look at your policy and make sure you’re protected—not just from accidents, but from the financial ripple effects that come with them.

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