Broad Collision – or broad form collision, broadened collision is the level of coverage that waives paying any deductible unless you are AT-fault in a collision. That means if someone hits you, you don’t pay! … Regardless of whether or not you are at fault you will pay the deductible at this level.

What coverage covers you hitting another car?

Liability insurance Bodily injury liability pays for expenses from injuries or deaths in an accident you cause. Property damage liability covers repair costs if you hit another vehicle or other property such as a fence or building. The amount of liability coverage in a policy is usually expressed as three numbers.

What is extended non-owned auto coverage?

Extended non-owned coverage is an add-on to a driver’s personal car insurance policy that extends liability and medical payments insurance to a company car. Since many personal car insurance policies exclude the use of employer-provided vehicles, this extension can help a driver avoid gaps in coverage.