Every day CAA responds to questions from Members and potential members alike. You may find the answers to your questions in the list below. Just click on the question and your answer will appear. Naturally, if you have questions not listed in our FAQ, please contact our call centre.
1.What is driving record protection?
If you are involved in an at-fault accident, driving record protection ensures your driving record will not fall to the bottom of the insurer's rating system. For example, if your insurer uses the common 6-star rating system and you have an at-fault accident, your "star rating" might drop down to a 0-star designation. If you were previously a 6-star driver this means your rates will significantly increase. However, with driving record protection your star rating will not fall as much, if at all. By protecting your standing on the "star rating" system, driving record protection results in a break on your auto insurance premium that you would otherwise have to pay if it did not exist.
If you have never been in an accident, check with your current insurer to see what their policies are on driving record protection. If they don't offer it, it may be time to consider switching to one that does. It could save you thousands of dollars should you ever find yourself with an at-fault accident on your driving record.
An Accident isn't something you plan on. But it is something you can plan for.
With more cars on the road than ever before, even good drivers can occasionally make mistakes or be involved in an accident.
With the new Forgive and ForgetTM Plan from CAA, you can protect the rates and good driving rating you've earned over the years. Which means, in the event of your first at-fault accident, you'll experience no change in your driving record.
2.Do I qualify?
The principal operator has been continuously licensed for the past 6 years or more and the vehicle assigned must carry mandatory road coverage (liability and accident benefits).
No operator has been convicted of any major or serious conviction or more than one minor conviction within the past three years.
No operator has sustained an at-fault accident in the past six years.
3.Is there an additional cost for this coverage?
Yes. The endorsement cost is $40.00 per year. Will be offered if all qualifications for obtaining the endorsement are met.
Exciting news as added benefit, any policyholder who has been insured with CAA Insurance for 10 or more continuous years and qualifies for this endorsement will be provided this protection FREE on renewal.
4.What happens after my first at-fault accident?
After an at fault accident, your driving record drops, resulting in a rate increase of between 10-30%, which on an average premium of $1375.00 would amount to an increase of $130.00 - $410.00.
Being covered with Forgive and Forget protection, your driving record will remain as it would have had there been no at-fault accident.
5.If I've had an at-fault accident while protected under the Forgive and Forget plan, can I still purchase the endorsement on my next Renewal?
No. The Forgive and Forget endorsement cannot be added to your policy until you are again 6 years accident free.
6.What if I have a second at fault accident within 6 years?
On the second chargeable accident within a 6-year period, your driving record will be reduced to a driving record "3". Some insurance companies may reduce your driving record to a "0" on the second at-fault loss or not offer you a renewal. Check with your current insurer.
CAA North & East Ontario serves Members in Ontario in Counties of Dundas, Glengarry. That portion of Leeds-Grenville formerly known as Grenville County, Lanark, Prescott, Renfrew, Russell, Stormont. The city of Ottawa, Sudbury, Districts of Cochrane, Manitoulin, Nipissing, Parry Sound, Sudbury, Timiskaming, Kenora (including area of Patricia), Rainy River, Thunder Bay.
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