Today’s insurance companies are promoting the concept of Accident forgiveness: the “new “approach to winning your business. This concept protects the driving records of their clients involved in an accident. This Accident forgiveness: The “new” approach to winning your business. makes the drivers standing not to decrease to zero star. If a driver from a high standing fell down to zero, he or she will have increase rates. But with the concept, this scenario is prevented, standing may fall but not to zero. In effect, a client takes the insurance premium but for some, this is hard if the concept does not exist in the system.