are very disingenius. Insurance companies only want premiums. They do not want to pay claims. Accident forgiveness, for you FIRST accident. That word is not prominently emphasized in the commercials. I guarantee you that if you make 2 or 3 claims on a personal lines policy over a 3 to 5 year period, your premiums will be jacked up or you will be cancelled. Moreover, it does not matter if you have been a policy holder for years without claims. It also does not matter if you change insurance companies. The next company will get your claims record.
