What Are the Different Types of Collision Coverage?

Collision coverage is optional in most states, but like all insurance, it’s better to have collision coverage and not need it than to need it and not have it. Collision insurance covers expenses to repair or replace your vehicle if it’s damaged in an accident. In other words, adding collision coverage to your auto insurance policy will minimize your out-of-pocket expenses (or even foot the entire bill) if you’re involved in an accident and need major auto body repair. But which type of collision coverage is right for you? That depends on a number of different factors, but to help you choose here’s a look at the different types of coverage you can pick from.

Limited Collision Coverage

With limited collision coverage, your insurance pays for repairs only if you are half or less than half at fault for the accident (you are rear-ended, side-swiped, et cetera). You are responsible for paying the deductible on the coverage plan, and your insurance company will pay for repairs over and above the deductible.

Standard Collision Coverage

The biggest difference between limited and standard collision coverage is that standard collision coverage pays for repairs above and beyond the deductible if you are more than 50 percent at fault for the accident. With a limited collision coverage, your insurance pays nothing if you are found at fault.

Broad Form Collision Coverage

The difference between standard and broad form collision coverage is that with broad form collision coverage you do not have to pay the deductible if you are 50 percent or less at fault for the accident. Similar to standard collision coverage, broad form plans will also pay for repairs above and beyond the deductible if you are at fault.

If you’re involved in an accident, trust the repairs to the experts at Michael J’s Body Shop. We’ve built strong relationships with the leading insurance companies over our 20+ years in the business, and our administrative staff will help you file an insurance claim after an accident. Call us at (408) 279-2070 to learn more about our auto body and collision repair services.


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