What is Michigan’s Broad Form Collision Coverage For Auto Insurance?
Q: What is Michigan’s Broad Form Collision Coverage For Auto Insurance?
AIS Answer: In Michigan only “Broad Form” is a type of collision coverage that waives your deductible for accidents that are caused by the other driver. Click here for more information on Michigan Auto Insurance Requirements.
In the state of Michigan you are offered 3 different types of collision insurance. Limited, Standard and Broad Form.
- Broad Form Collision: pays for all damages regardless of fault. The deductible will only apply if you are at fault.
- Standard Collision: pays for all damages (remember Michigan is a no-fault state) but the deductible will apply regardless of fault.
- Limited Collision: will only pay for damages if you’re not found to be at fault, a deductible may apply.
As you can see, the Broad Form Collision option is the ideal coverage for those that do not want to pay a deductible if an accident is not their fault. However, Broad Form may come at a higher price, so you’ll need to talk with a licensed Michigan auto insurance agent about your options regarding collision coverage on your policy.
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why do I need broadform? is this only Michigan? Michigan car insurance is expensive, what about reform?