Injured? Free Advice (800) 777-0028

3 Types of Collision Coverage

Information on broad, standard and limited collision coverages, and how each can help you pay for your car damage

Collision coverage will help pay your repair costs for accident-related car or truck damage.

It is an optional coverage and it’s not required by law. But it’s a relatively certain and comprehensive way of paying for accident-related vehicle damage.

Here are the three main types of collision coverage:

Broad collision coverage: If you were not more than 50 percent at fault in causing the accident that resulted in damage to your motor vehicle, then broad collision coverage will pay for all of the costs relating to the repair of the damage to your motor vehicle, and your deductible will be waived (the reward for not being “more than 50% percent at fault”).

Standard (also referred to as “basic”) collision coverage: If you were not more than 50 percent at fault in causing the accident that resulted in damage to your motor vehicle, then standard or basic collision coverage will pay for all of the costs relating to the repair of the damage to your motor vehicle, but you will have to pay your deductible.

Limited collision coverage: If you were not more than 50 percent at fault in causing the accident that resulted in damage to your motor vehicle, then standard or basic collision coverage will pay for all of the costs relating to the repair of the damage to your motor vehicle. But you will have to pay your deductible.

What if I don’t purchase collision coverage?

Failure to purchase collision coverage means that, unless you find an alternative source of payment (such as the Michigan Mini Tort or the No Fault Law’s Property Protection Insurance benefits), you will pay for all of the repair costs associated with your accident-related motor vehicle damage.

Note: Michigan’s Mini Tort Law can pay up to $1,000 of your vehicle damage. Read all about the Michigan Mini Tort here.

Read Our Reviews
Free Consultation