Broad Collision vs Standard Collision

Written by Chelsey Ray & Joanna Swain

Does everyone know what the difference between broad and standard collision is? We are here to tell you! When purchasing a Michigan auto policy, you are given a choice between the two. The difference between them concerns the collision deductible.

What is a Collision Deductible?

Before we dive into broad vs standard, we will first explain what a collision deductible is. Collison means colliding. This can be a car accident or even a driver backing their vehicle into a building. A deductible is the dollar amount that you are responsible to pay when filing a claim. Deductibles range from $50-$10,000, depending on what your insurance company offers.

The Difference

Picture this: someone rear ends you on your way to work and you’re thinking, “Dang it, I have to pay my collision deductible to get my car fixed, when it wasn’t even my fault.” The good news is, when you have broad collision on your Michigan auto policy, you do not have to pay the deductible when you are not at fault in the accident. However, if you have standard collision, you are ALWAYS responsible for paying the deductible regardless of fault. Please note that some policy language refers to it as “basic collision”. When looking at your insurance, be aware that standard collision and basic collision are the same thing. Broad collision is the only word used for the form that waives your deductible if you are not at-fault in a collision.

Knowing Your Options

A good reason to select standard collision, is because it is cheaper than broad collision. This is why it is important to know your options. You may be inclined to carry wore coverage for a little extra premium, or you may decide to select standard because it is cheaper to carry.

Each policy has its different conditions, however for broad form collision to apply, you may be required to submit a police report. The rule of thumb is you must be considered 51% not at fault to have your deductible waved with broad collision. It’s important to consult your insurance agent when selecting coverages.