I drive for a living. On a typical day I will spend over six hours behind the wheel of my truck and that does not count the time I am waiting for it to be loaded and unloaded. With that many hours on the road I am a literal target for an accident. And statistics bear that out showing that accidents tend to be proportional to time on the road. Although I have not had an accident yet, and am doing my best to keep from having one, Insurance Accident Forgiveness is a comforting thought to me. I know that my insurance company will not hold the first one against me if it should happen to come.