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Coverage Options Explained

Collision Coverage- Covers physical damage to your vehicle in the event of a collision. There are 3 different types of collision. Can choose a deductible from list below.

  1.  Broad Form- You only pay your deductible if you are at fault. 
  2. Regular Form- You pay your deductible no matter who is at fault.
  3. Limited Form- Only pays when you are NOT at fault. 

Comprehensive- Covers damage done by everything other than a collision. Examples- Vehicle vs Animal, Glass Breakage, Fire, Theft, Vandalism, etc. Can choose a deductible from list below.

"Full Coverage"- Your choice of broad or regular collision AND comprehensive listed above. Needed if you have a lien or lease on a vehicle.

Liability Only- Vehicle is NOT covered for physical damage. No comp or collision coverage. Minimum required by state for a vehicle to be road legal.
Comp Only- Comprehensive only. Also known as storage. 

Deductible- You can choose from $0, $50, $100, $150, $200, $250, $500, $750, $1000, $2000. Whatever amount you choose will be deducted from the amount of a claim if it applies (broad form collision you have to be at fault for it to apply). The higher the deductible the lower the price. Most lien or leases only allow deductibles of $1000 or less. 


All of the above coverage options can be changed at anytime. The amount you choose will just be for preliminary quote.


PIP (Medical) Options 

Unlimited (default)- Auto insurance will pay for all allowable expenses for your care, recovery, and rehabilitation if you are injured in an auto accident. 

500,000- Auto insurance will pay up to $500,000 of costs. 

250,000- Auto insurance will pay up to $250,000 of costs.

250,000 w/ exlusions- Same as 250,000 option but you can exclude anyone who has qualified health coverage.

50,000 (must be on medicaid)- Auto insurance will pay up to $50,000 of costs. Applicant or named insured MUST be enrolled in Medicaid.

No Coverage (must have medicare A and B)- Applicant or named insured has coverage under both Medicare parts A and B and is choosing to have NO medical coverage on auto insurance policy. 

Contact us at: 989-834-2288!

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