The three, side by side
| Type | You're ≤50% at fault | You're mostly at fault | Best for |
|---|---|---|---|
| Broad | Paid, deductible waived | Paid, deductible applies | Most vehicles worth insuring — our default quote |
| Standard | Paid, deductible applies | Paid, deductible applies | Budget-driven households comfortable eating the deductible either way |
| Limited | Paid, deductible applies (often $0 option) | Nothing | Aging vehicles where full collision no longer pencils |
Why Broad earns its premium
In a no-fault state you generally claim your own collision coverage even when the other driver caused it. Broad's fault-based deductible waiver is what makes that fair: not your fault (50% or less), no deductible. With Standard, the not-at-fault crash still costs you your deductible — recoverable from the other driver only up to Michigan's small mini-tort cap. That gap is the whole argument, and it's why the Broad upcharge is usually modest money well spent.
Choosing per vehicle
- Newer/financed: Broad, almost always — lenders require collision, and the waiver does real work.
- The aging commuter: run the math annually — premium vs. vehicle value vs. deductible. Limited keeps not-at-fault protection alive cheaply on the way down.
- The beater: at some point collision retires entirely and comprehensive (deer!) stays. We'll tell you when the math flips.
Check your dec page: if it says Standard and nobody ever explained the choice, that's a two-minute fix worth making before the next icy merge on I-75.