Do you need broad form or standard collision coverage for your vehicle?

If you are wondering if you need a broad form or standard collision coverage, the first step is understanding what they mean. The biggest difference between broad form collision and standard collision is the deductible.

Broad Form Coverage:

• When you are MORE THAN 50% at fault: Your insurance pays, except the deductible that you have chosen. You must pay the deductible.
• When you are 50% OR LESS at fault: Your insurance pays. You do not have to pay the deductible.

Standard Coverage:

• When you are MORE THAN 50% at fault: Your insurance pays, except the deductible that you have chosen. You must pay the deductible.
• When you are 50% OR LESS at fault: Your insurance pays, except the deductible that you have chosen. You must pay the deductible.

Unsure if you currently have broad form or standard collision coverage? Connect with our team and we can review what you currently have and discuss which is the best option for you!