<prompt> Human: I recently called my agent about something else, and she was really pushing an accidentticket forgiveness add-on to my current policy. It covers one at-fault accident or ticket in a three year period. I was only getting info and not making any changes, so I declined and told her Id continue living dangerously without it, but its been in the back of my mind ever since. It would be 26 every 6 months. Obviously, if something happens, the increased premiums will be a lot more than 266 months, so from that perspective it makes sense. But lately I feel like every company out there is trying to find ways to get more money out of consumers, and Im not convinced this is not more of the same, yk?Has anyone used this? Is it worth it, or is it going to come with dozens of stringsconditions that will make the insurance not actually useful if something does happen?  <response>: As a rule, gimmick insurance plansprograms are not worth the money. Obviously situations can occur where it would be worth it, but statistically the insurance company wins. 