Accident forgiveness means that your insurance premium won’t go up after your first at-fault accident. American Family offers accident forgiveness as a reward for safe drivers. In order to qualify, you have to be without any at-fault accidents and traffic violations in the past 12 months and no more than one at-fault incident in the past 36 months. We are bothered that some American Family Insurance reviews don’t mention the fact that this is one of the most generous accident forgiveness programs in the market. It is worth mentioning and underlining because some of the competitors require drivers to have five or six years of clean driving record in order to qualify for its accident forgiveness programs.