Comprehensive and Collision coverages in Michigan can be confusing. What do they cover? What do the different types of collision mean? Let’s start with Comprehensive, it covers losses from: animal impact, theft, glass breakage and fire. That’s pretty straight forward.
Collision in Michigan is a little more complicated. You have: Broad Form, Standard Form and Limited Form collision. Broad form is our agencies most commonly used collision option. If you are found less than 51% at fault in an accident, your deductible is waived under broad form collision. This means that you would only need to pay your deductible if you were found to be at fault under a covered loss.
With standard form collision you pay the deductible regardless of if you are at fault or not. Limited Form collision only pays out on a claim if you are found less than %51 at fault, and your deductible applies if it is a covered loss. What that means is that if you are found at fault Limited Form collision will not pay out to repair your vehicle.
Deciding what kind of coverage to get on a vehicle can be a tough one. Knowing a little bit more about what you are deciding on can help. Ask your local agent for advice or deeper explanations into physical damage coverages for vehicles in Michigan.
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About the author:
Aaron Whitaker joined Whitaker-LaChance in 2014 as a Personal Insurance Customer Service Representative. He brought with him extensive customer service experience from working in a retail professional camera store and computer electronic store for three years in Chicago. Aaron manages all personal insurance placement, marketing, account service and claim management. His expertise is in working with our clients to make sure their insurance program takes care of them through all the changes in life. Aaron is a graduate of Kalamazoo Home School Association and attended Columbia College in Chicago, where he studied Graphic Art Design. He is an avid photographer and enjoys fishing.