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Broad Form Auto Insurance

Broad form auto insurance is a type of collision auto insurance that covers losses resulting from several causes. Of the three different types of collision auto insurance (limited, standard, and broad), broad form auto insurance is the most expensive type of collision auto insurance. If you have broad form auto insurance coverage, you will get reimbursed for damages to your car resulting from any type of accident involving your car or damages resulting from a collision with another car. In addition, if you are in a collision and the other driver is at fault, you do not have to pay your deductible in order to collect your claim. While state law does not require drivers to have broad form auto insurance, this optional insurance is preferred over other types of auto insurance because it offers an “extended” amount of auto insurance coverage against everything from collisions and hit-and-runs to damages to your car resulting from earthquakes, fire, windstorm, and theft to falling objects, sleet, ice, water damage, and snow.If you are financing your car, the lender or auto dealership will require that you have some form of collision and comprehensive insurance. You do not have to opt for broad form insurance, but you will have to comply with your state’s minimum liability auto insurance requirements.

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