Originally Posted by
enviroian
Well TX at least when a rock kicked up from a car on the tollway hit my hood I had no choice but to file a claim. My broader point is 'accident forgiveness" is pretty much a scam marketing gimmick.
I've had a non-owner policy here in New York for many years. When a rental vehicle was hit while parked in a garage overnight, my rates did not go up. Two reasons cited: car was hit while parked, and damage was under $500. Policy issued by Travelers.
As always, YMMV.