On my auto dec page, I see "Five-Year Accident Free" listed in the discount section. Is this the large accident forgiveness? We've been a Progressive customer for more than 5 years, but for several months the only active policy we had was a utility trailer. Wasn't sure if that would count to keep the accident forgiveness.
Our newly licensed 16 year old panicked when a dog ran in front of her and took out a neighbor's mailbox today. We repaired the mailbox, but it did pretty significant damage to her car. I used a couple of AI tools online that are estimating $10k damage. I was hoping to pay out of pocket, but if it is going to be near $10k and we do have this accident forgiveness, might as well use it! Any catches I'm not thinking about? We have a Three-Year Safe Driving discount listed. Would we lose that? She's participating in Snapshot and her driving record on that is excellent, so I assume she would still get that discount at renewal.
My husband and I are both listed on the policy with her, but it's only her car insured with Progressive. Our cars are insured elsewhere so they won't be impacted.