Michigan offers four different options for collision on car insurance. Each coverage has its own set of pros and cons to consider. Learn the basics of the four types of coverage and get even more details and examples by clicking on the coverage you want to learn more about.
Types of Michigan Collision Coverage
- No Collision Coverage: In Michigan if you do not carry collision coverage of any kind, you will not be covered by your car insurance policy for physical damage to your vehicle from a collision. The most money you can receive from an at-fault driver’s car insurance policy is $1000 and you must know what vehicle caused the damage in order to file a claim.
- Limited Collision Coverage: Limited collision provides coverage for collisions which are not your fault. Limited collision usually comes with a zero deductible.
- Standard / Regular Collision Coverage: Standard collision provides coverage regardless of who is at-fault however a deductible will apply in both scenarios. You can recoup you deductible by filing a mini tort claim against the at-fault vehicle’s policy for up to $1000.
- Broad Collision Coverage: Broad collision provides physical damage coverage for collisions regardless of who is at fault too. The key difference is if you are not at-fault no deductible applies. This comes in very handy when you do not know who caused the damage to your vehicle.