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Claim Free, At Fault Accident Forgiveness and At Fault Accident Forgiveness Plus

Discount/Program Time Frame of Eligibility Qualifications Discount and/or Benefits
Claim Free Discount* All Policies: May be given at policy inception. All Policies: Claims Free for five consecutive years. 2.5% Discount on Bodily Injury, Property Damage, Property Injury Protection, Comprehensive and Collision Coverages.
At Fault Accident Forgiveness*
(At Fault Accident Forgiveness is only applicable to a payable At Fault Accident.)

Coupler (Combination) Policies: Three consecutive years with NYCM Insurance.

Non-Coupler (Combination) Policies: Five consecutive years with NYCM Insurance.

Coupler (Combination) Policies: Claim free for a consecutive five year period.

Non-Coupler (Combination) Policies: Claim free for seven consecutive years. (Two years prior and five years with NYCM Insurance.)

 The first surcharge or occurrence points(s) related to an At Fault Accident will be forgiven.
At Fault Accident Forgiveness Plus*
(At Fault Accident Forgiveness Plus is only applicable to a payable At Fault Accident.)

Coupler (Combination) Policies: Five consecutive years with NYCM Insurance.

Non-Coupler (Combination) Policies: Seven consecutive years with NYCM Insurance.

Coupler (Combination) Policies: Claim free for seven consecutive years.

Non-Coupler (Combination) Policies: Claim free for nine consecutive years.

 The policyholder will receive all the benefits associated with the At Fault Accident Forgiveness Program. Additionally, the insured will receive a 50% discount (up to $500 savings) on an applicable collision deductible.**

* An insured can maintain their At Fault Accident Forgiveness status even after losing the Claim Free Discount. Claim Free Discount will not be removed from a policy as a result of a single accident with an aggregate damage to property of $2,000 or less.

** For At Fault Accident Forgiveness Plus, applicable collision deductible is any deductible equal to or greater than $200. State law requires that the resulting collision deductible amount will never decrease to an amount below $100. There is no cash value earned.

Claim Free, At Fault Accident Forgiveness and At Fault Accident Forgiveness Plus programs are all subject to terms and conditions. (Please see your policy for details or your agent with questions). Your eligibility for these programs will be directly dependent upon you remaining accident free. Additionally, your final eligibility for these programs is subject to the final determination of the underwriting qualifications.