what is broad collision coverage: 7 Essential Facts in 2025
Understanding Collision Coverage Options
What is broad collision coverage? It’s an optional auto insurance coverage that pays for damage to your vehicle after an accident, regardless of fault, and waives your deductible when you’re not primarily at fault (50% or less responsible) in the accident.
Here’s what you need to know about broad collision coverage:
| Feature | Description |
|---|---|
| Coverage Type | Optional add-on to auto insurance policy |
| What It Covers | Repairs to your vehicle after a collision |
| Key Benefit | Waives deductible when you’re 50% or less at fault |
| Fault Threshold | Deductible waived if 50% or less responsible |
| Cost | Typically more expensive than standard collision |
| Availability | Primarily available in Michigan |
Broad collision coverage differs from standard collision coverage, which requires you to pay your deductible regardless of who caused the accident. It also differs from limited collision, which only provides coverage when you’re not at fault and offers no coverage when you are at fault.
With broad collision, you’ll have peace of mind knowing that if someone rear-ends you or causes an accident where you’re minimally at fault, you won’t have to pay your deductible to get your car repaired. This can save you hundreds or even thousands of dollars out-of-pocket after an accident.
I’m Geoff Stanton, President at Stanton Insurance Agency, and I’ve helped hundreds of clients understand what is broad collision coverage and determine if it’s right for their specific situation. My experience as a Certified Insurance Counselor (CIC) has taught me that choosing the right collision coverage can make all the difference when you’re facing unexpected vehicle damage.
What is broad collision coverage further reading:
- what does collision insurance cover
- do you need collision coverage
- full coverage vs comprehensive and collision
What Is Broad Collision Coverage?
Imagine this: you’re stopped at a red light when suddenly—WHAM!—someone rear-ends your car. Your heart sinks thinking about repair costs. But if you have broad collision coverage, you can breathe a little easier.
Broad collision coverage is your financial safety net that pays for vehicle damage after an accident, regardless of who caused it. The best part? According to Michigan Insurance Code (MCL 500.3037), this coverage includes a special provision: “deductibles shall be waived if the operator of the vehicle is not substantially at fault.”
In plain English, this means you only pay your deductible when you’re more than 50% responsible for the accident. If someone else caused most of the damage, your insurance company picks up the entire repair bill—no deductible required.
As one of our clients recently told me, “After someone sideswiped my car in a parking lot, I was so relieved to learn I wouldn’t have to pay my $1,000 deductible. Broad collision coverage saved the day!”
Understanding What Is Broad Collision Coverage
What is broad collision coverage exactly? Think of it as collision insurance with a bonus feature. While standard collision makes you pay your deductible regardless of fault, broad form gives you a break when the accident wasn’t primarily your fault.
This optional add-on to your auto policy provides four key benefits:
- It covers damage to your vehicle after colliding with another vehicle or object
- It applies whether you caused the accident or not
- It waives your deductible when you’re 50% or less at fault
- You only pay your deductible when you’re mostly (more than 50%) responsible
Though not mandated by law, if you’re financing or leasing your vehicle, your lender might require broad collision coverage to protect their investment. It works alongside comprehensive coverage, which handles non-collision incidents like theft or hail damage. For complete protection, many drivers choose both collision and comprehensive coverage.
Accidents Covered Under Broad Collision
Your broad collision coverage has your back in a wide range of scenarios—from fender benders to more serious crashes.
When someone rear-ends you at a stoplight, broad collision covers your repairs without you paying a dime in deductibles (since you’re clearly not at fault). The same applies to hit-and-run incidents—if you return to the parking lot to find your car damaged with no note in sight, your broad collision has you covered, deductible-free.
Even in more dramatic scenarios like vehicle rollovers resulting from a collision, you’re protected. You’ll only pay your deductible if you were primarily responsible for the accident.
Had a run-in with a nasty pothole? Interestingly, insurers typically classify pothole damage as a collision claim. As one insurance expert explains, “Although running over a pothole might seem avoidable, if this happens and damages your car, repairs will likely be covered.”
Fixed-object collisions—like hitting a tree, fence, or guardrail—are also covered, though you’ll typically pay your deductible since these are usually single-car accidents where you’re at fault.
Perhaps most reassuring is protection against uninsured drivers. If someone without insurance hits you, broad collision ensures your vehicle gets repaired without the headache of trying to collect from the at-fault driver.
One of our policyholders shared her experience: “When an uninsured driver side-swiped me on the highway, I was worried about how I’d pay for repairs. Thanks to my broad collision coverage, I didn’t have to pay my $500 deductible, and my car was fixed within a week. It was such a weight off my shoulders!”
Broad vs Standard vs Limited Collision: Key Differences
When you’re shopping for collision coverage, you’ll run into three main options that might leave you scratching your head: broad, standard (sometimes called basic), and limited collision. Don’t worry – I’ll break down these differences in plain English so you can make the best choice for your situation.
| Feature | Broad Collision | Standard/Basic Collision | Limited Collision |
|---|---|---|---|
| Coverage when at fault | Yes | Yes | No |
| Coverage when not at fault | Yes | Yes | Yes |
| Deductible when at fault | Yes | Yes | N/A (no coverage) |
| Deductible when not at fault | No (waived) | Yes | May vary by policy |
| Relative cost | Highest premium | Medium premium | Lowest premium |
| Best for | Newer vehicles, financed cars | General protection | Older vehicles, budget-conscious |
I love how one of our clients put it after we explained these differences: “So broad collision is like having a ‘get out of deductible free’ card when the accident isn’t my fault?” Exactly! With what is broad collision coverage, your deductible gets waived when you’re not at fault – unlike standard collision where you’re paying that deductible no matter who caused the accident.
Standard collision is the middle-ground option. It covers your vehicle regardless of fault, but you’ll always pay your deductible even if someone else caused the accident. It’s like having protection without the special perks.
Limited collision, meanwhile, is the bare-bones option. It only covers your car when someone else is at fault. If you cause an accident? You’re on your own for repairs. As we often tell our budget-conscious clients, “Limited collision is perfect for that older car that you wouldn’t repair if you dented it yourself anyway.”
Deductible Rules and Fault Thresholds
The 51% fault line is where the magic happens with broad collision. Under Michigan law, being “substantially at fault” means you’re more than 50% responsible for the accident. Here’s how it plays out:
If you’re 50% or less at fault, you don’t pay your deductible – it’s waived completely. But if you’re 51% or more responsible, you’ll need to pay up.
Picture this real-life scenario: you and another driver both roll through a stop sign and collide. The insurance companies determine you’re each 50% at fault. With broad collision, your deductible would be waived, saving you potentially hundreds or thousands of dollars.
Many insurance companies require a police report to trigger that deductible waiver. This helps establish fault percentages officially. That’s why we always recommend filing a police report after an accident, even for minor fender-benders. That documentation can be worth its weight in gold later.
There’s also an interesting overlap with Michigan’s mini-tort law, which lets drivers recover up to $3,000 from an at-fault driver’s insurance for their deductible or damages. This connection sometimes affects whether paying extra for what is broad collision coverage makes financial sense for you.
Cost Comparison
Let’s talk dollars and cents. Broad collision typically costs more than the other options – you’re paying for that deductible-waiver privilege.
Deductibles can range dramatically – from as low as $50 to as high as $10,000 depending on your insurance company and policy. As you’d expect, choosing a higher deductible lowers your premium, while a lower deductible raises it.
Several key factors affect what you’ll pay:
Your vehicle’s age and value play a huge role – that new Tesla will cost more to insure than your teenager’s hand-me-down sedan. Your driving history matters too – those with clean records typically pay less than those with accidents or tickets.
Whether you’re leasing or financing also impacts costs. As one of our clients found, “My leasing company required broad collision with a $500 deductible maximum – I couldn’t choose a higher deductible even though I wanted to save on premiums.”
Location matters too – insurance rates vary not just by state but even by ZIP code. Rural areas often have lower rates than urban centers with more traffic.
As we often tell our Michigan clients, “Broad is the most expensive level, limited is the cheapest. For that older car or your teen driver’s vehicle, limited collision might be the sweet spot to keep your premium manageable.”
Want to dive deeper into collision coverage options? Check out our detailed article on the difference between limited and full collision coverage.
Advantages, Disadvantages, and Who Should Buy
Wondering if broad collision coverage makes sense for your situation? Let’s break down the pros and cons to help you decide if this premium protection is worth the investment.
Broad collision coverage shines in several important ways. Perhaps the biggest advantage is that you won’t pay a deductible when you’re not at fault (50% or less responsible). This can save you hundreds or even thousands in out-of-pocket expenses after an accident that wasn’t your doing. You’ll also enjoy coverage regardless of who caused the accident, giving you true peace of mind on the road.
“After my car was sideswiped in a grocery store parking lot with no note left behind, I was so relieved I had broad collision,” shares Maria, a Stanton Insurance client. “Not having to pay my $1,000 deductible made a stressful situation much easier to handle.”
The simplified claims process is another big plus – you’ll only need to deal with your own insurance company rather than chasing down another driver’s insurer. This becomes especially valuable in hit-and-run situations where there’s literally no other party to collect from.
Of course, these benefits come with trade-offs. The most obvious downside is the higher premium cost compared to standard or limited collision options. You’ll pay more each month for this improved protection. For older vehicles with lower market values, this premium difference might not make financial sense – why pay extra to protect a car that’s only worth a few thousand dollars?
There’s also some potential overlap with Michigan’s mini-tort benefits (more on that later), and it’s worth noting that broad collision isn’t widely available outside Michigan, so your options may be limited depending on where you live.
So who benefits most from choosing broad collision coverage? If you’re driving a newer or high-value vehicle, the extra protection makes a lot of sense – you’re protecting a significant investment. Commuters navigating busy urban areas with higher accident risks will also appreciate the deductible waiver when that inevitable fender-bender occurs.
If your emergency fund is limited and paying a $500 or $1,000 deductible would create financial hardship, broad collision provides valuable protection against unexpected expenses. And if you’re leasing or financing your vehicle, your lender may actually require this coverage level to protect their investment.
“The way I explain it to clients is simple,” says Geoff at Stanton Insurance. “If you’d rather pay a bit more each month to avoid a large deductible payment after an accident that wasn’t your fault, broad collision is probably right for you.”
For more comprehensive information about coverage options, check out our detailed guide on full coverage vs comprehensive and collision.
When Broad Collision Waives Your Deductible
The deductible waiver is what makes broad collision coverage special, but it’s important to understand exactly when this benefit kicks in.
First and foremost, you must be 50% or less at fault for the accident. Michigan law specifically defines “substantially at fault” as being more than 50% responsible, so the insurance company must determine that you weren’t the primary cause of the collision.
You’ll need solid evidence to support your claim that you weren’t primarily at fault. This typically includes a police report (which many policies specifically require), witness statements, photos of the accident scene and vehicle damage, and dashcam footage if you have it.
When filing that police report, be sure to call police immediately from the accident scene, provide factual information about what occurred, get the report number for your insurance claim, and request a copy of the completed report for your records.
Michigan Insurance Code (MCL 500.3037(1)(b)) clearly states that “Broad form collision coverage… shall pay for collision damage to the insured vehicle regardless of fault… deductibles shall be waived if the operator of the vehicle is not substantially at fault.”
Even with seemingly clear evidence that you weren’t at fault, your insurance company makes the final determination on fault percentages. If there’s a dispute, you may need to provide additional evidence or file an appeal to get your deductible waived.
Situations Where It May Not Be Beneficial
While broad collision coverage offers valuable protection, it’s not the right choice for everyone. Here are some situations where you might want to consider other options:
If you’re primarily concerned about not-at-fault accidents in Michigan, the mini-tort law already allows you to recover up to $3,000 from an at-fault driver’s insurance to cover your deductible or damages. This existing protection can make the extra premium for broad collision less necessary.
The additional cost of broad collision versus standard collision might not make financial sense if you have a healthy emergency fund that could easily cover a deductible payment. Why pay extra each month for protection you don’t really need?
For older vehicles with lower market values, the math often doesn’t work out. “I had a client with a 15-year-old pickup worth about $4,000,” recalls Sarah at Stanton Insurance. “The premium difference between broad and standard collision would have cost him more over two years than his entire deductible amount. Standard collision made much more sense in his case.”
Your personal driving profile matters too. If you have a long history of safe driving and primarily drive in low-risk areas with minimal traffic, your chances of being in a not-at-fault accident may be lower, reducing the value of paying extra for broad coverage.
As one of our insurance experts often notes, “Paying extra for broad coverage may not be worth it given mini-tort reimbursement. Collecting mini-tort reimbursement is straightforward and may negate the need for broad coverage for many drivers.”
For those older vehicles or young drivers where insurance costs are already high, some experts recommend: “Limited collision can be a good option to keep your premium down for an older car or a car driven by a young driver.”
The right choice ultimately depends on your specific situation. At Stanton Insurance Agency, we’re happy to review your options and help you make the decision that provides the protection you need at a price that makes sense for your budget.
Michigan Mini-Tort Law and Broad Collision
Michigan’s mini-tort law adds an interesting dimension when considering what is broad collision coverage. This provision allows drivers to recover up to $3,000 (increased from $1,000 after July 1, 2020) from an at-fault driver’s insurance to cover a deductible or vehicle damage.
This mini-tort option works alongside Michigan’s no-fault system, which generally prevents drivers from suing each other for vehicle damage. Think of the mini-tort as the friendly exception that allows you to recover some costs from the person who hit you.
Here’s how mini-tort relates to your collision coverage choices:
If you have standard collision with a $500 deductible and someone crashes into you, you’ll pay that $500 out-of-pocket first. But then you can file a mini-tort claim against the at-fault driver to get that $500 back.
On the other hand, if you have broad collision coverage and you’re not at fault, your deductible is automatically waived. No need to chase down the other driver’s insurance or file additional paperwork – your insurance company simply doesn’t collect the deductible from you.
This creates an interesting question for Michigan drivers: Is paying extra for broad collision worth it when you could potentially recover your deductible through mini-tort anyway?
As one Michigan insurance expert puts it: “When you’re in an accident with a Michigan policy, you look to your own insurance company to cover your collision expenses. The mini-tort is just a way to recover your out-of-pocket costs afterward.”
The answer often depends on how much you value convenience and certainty. With broad collision, there’s no waiting for mini-tort reimbursement and no risk of the other driver being uninsured.
For the most current information on Michigan collision law, you can check the Michigan Legislature’s information on MCL 500.3037.
Want to learn more about your auto insurance options? Visit our comprehensive auto insurance page.
Recovering Your Deductible Up to $3,000
If you’ve opted for standard collision coverage and find yourself in an accident where you weren’t at fault, Michigan’s mini-tort provision offers a path to get your deductible back. Here’s how to steer this process:
First, make sure to file a police report at the scene or as soon as possible afterward. This document becomes your foundation for establishing who was at fault.
Next, get a written estimate of your vehicle damage from a reputable repair shop. This paperwork proves exactly how much damage occurred.
Then comes the most important step – submitting your mini-tort claim to the at-fault driver’s insurance company. Include your police report, your insurance declaration page showing your deductible amount, your damage estimate, and a clear letter explaining what you’re requesting.
“The mini-tort process is actually pretty straightforward,” explains one of our Stanton Insurance agents. “Most claims are settled without much hassle when the fault is clear and the documentation is complete.”
In Michigan, you generally have three years from the accident date to make a mini-tort claim, but it’s always best to file promptly while evidence and memories are fresh.
The timeline for reimbursement varies widely – sometimes just a few weeks, other times a few months. If the other driver is uninsured or disputes fault, you might need to consider small claims court as a last resort.
This is where many drivers see the value in what is broad collision coverage – it eliminates this entire process. Instead of paying your deductible and then trying to recover it, your deductible is simply waived from the start when you’re not at fault.
As one satisfied Stanton client told us: “After spending three months trying to get my deductible back through mini-tort last year, I switched to broad collision. When I got hit again this year, not having to pay my deductible upfront saved me so much stress. The extra premium was worth every penny.”
Claims Process, Choosing Deductible & Tips
The moments after a car accident can feel overwhelming, but understanding how to steer the claims process with your broad collision coverage can make things much smoother. Let’s walk through what happens when you need to use this coverage.
When you’re involved in an accident, your first priority should be safety. Once everyone is safe and you’ve exchanged information with the other driver, it’s time to think about your insurance claim. Contact your insurance company as soon as possible—most have 24/7 claims reporting through their app, website, or phone line.
You’ll need to provide details about the accident: when and where it happened, who was involved, the police report number if applicable, and photos of the damage. Don’t worry if you’re feeling frazzled—your insurance agent can guide you through exactly what they need.
An insurance adjuster will then investigate your claim to determine who was at fault and assess the damage to your vehicle. This is where what is broad collision coverage really matters—if you’re found to be 50% or less at fault, your deductible will be waived entirely.
When it comes to repairs, you typically have the freedom to choose your preferred repair shop, though your insurer might suggest their partner facilities (which often come with repair guarantees). If another driver was at fault, your insurance company will likely pursue subrogation—essentially seeking reimbursement from the other driver’s insurance company.
For more details about what’s covered, check out our page on what does collision insurance cover.
Step-by-Step Claims Process
Let me break down the claims process into manageable steps so you’ll know exactly what to expect:
Right after an accident, gather evidence that will support your claim. Take photos of all vehicles and the accident scene from multiple angles. Exchange information with other drivers—you’ll need their name, contact information, insurance details, and license plate number. If there were witnesses, get their contact information too, and make note of when and where the accident happened.
Next, notify your insurance company. Most claims processes begin with a simple phone call, though many insurers now offer reporting through mobile apps or websites. Be ready to provide all the information you’ve gathered.
Your insurer will assign an adjuster who will evaluate the damage to your vehicle. This might happen in person, or they might ask you to submit photos. Based on this assessment and the determination of fault, they’ll authorize repairs.
With what is broad collision coverage, if you’re 50% or less at fault, repairs can proceed without you paying your deductible. If you’re found to be more than 50% at fault, you’ll need to pay your deductible to the repair shop before your insurer covers the rest.
As one client told me after their accident, “I was so relieved when my adjuster called to say I wasn’t at fault. My car was repaired, and I didn’t have to pay a penny out of pocket. That’s when I really understood the value of broad collision coverage.”
Picking the Right Deductible Amount
Choosing your deductible amount is one of the most important decisions when setting up your collision coverage. It’s a balancing act between what you pay now (premiums) and what you might pay later (deductible).
Start by honestly assessing your budget. Could you comfortably pay $1,000 out-of-pocket if you caused an accident tomorrow? If that would strain your finances, a lower deductible might be better for you.
Your emergency fund should factor into this decision. If you have savings set aside for unexpected expenses, you might feel comfortable choosing a higher deductible like $1,000 or $2,000, which will lower your premium payments.
The premium trade-off is real: higher deductibles mean lower premiums, while lower deductibles (like $250 or $500) result in higher monthly costs. One of our clients saved nearly $200 annually by increasing her deductible from $500 to $1,000—money she was happy to save since she had an emergency fund.
If you’re financing or leasing your vehicle, check if your lender has specific requirements. Many require a maximum deductible amount, typically $500 or $1,000.
With what is broad collision coverage, your deductible only applies when you’re more than 50% at fault. This can make a higher deductible more palatable since there’s a good chance you won’t have to pay it in many accident scenarios.
Deciding Which Coverage Type Fits You
Choosing between broad, standard, and limited collision coverage isn’t one-size-fits-all. Your personal circumstances should guide this decision.
Consider your driving habits first. Do you commute in heavy traffic or frequently drive in challenging conditions like snow or rain? These factors increase your accident risk, potentially making broad collision more valuable. As one client who drives daily in downtown traffic told me, “The peace of mind knowing I won’t pay a deductible if someone hits me in rush hour traffic is worth every penny.”
Your vehicle’s value plays a big role too. For that new SUV or luxury sedan, broad collision provides maximum protection for your investment. For older vehicles with lower market value, limited collision might make more financial sense.
If you’re leasing or financing your vehicle, check your agreement carefully. Most lenders require broad or standard collision coverage to protect their investment in your vehicle.
Finally, be honest about your risk tolerance. If potentially paying a $500 or $1,000 deductible after an accident would cause financial stress, broad collision offers the most protection by waiving that deductible when you’re not primarily at fault.
The right coverage aligns with both your vehicle value and your personal circumstances. A young driver with an older car might be well-served by limited collision, while a family with a new minivan might benefit most from broad coverage.
For more information about your options, visit our detailed guide on comprehensive and collision coverage. And remember, we’re always happy to walk through these choices with you personally to find what makes the most sense for your situation.
Frequently Asked Questions about Broad Collision Coverage
Is Broad Collision Coverage Required by Law?
No, broad collision coverage isn’t mandatory under any state law. It’s completely optional – something you can add to your policy for extra protection if you choose.
That said, if you’re financing or leasing your vehicle, your lender might require collision coverage (either broad or standard) as part of your agreement. This isn’t the state requiring it – it’s your lender protecting their investment in your vehicle.
As many of our clients find during consultations, “The bank that holds your auto loan cares a lot more about protecting that car than the state does!” While Michigan doesn’t legally require you to carry collision coverage, the peace of mind it provides makes it worth considering, especially for newer vehicles.
Even without a legal requirement pushing you toward it, broad collision coverage offers valuable protection that can save you from paying a deductible when someone else causes an accident with your vehicle.
How Does Fault Determination Affect My Deductible?
The question of who caused the accident is absolutely crucial when it comes to your deductible under broad collision coverage. Here’s why it matters so much:
When you’re involved in an accident, your insurance company launches an investigation to determine who was at fault. They’ll review the police report, examine photos of the damage, consider statements from everyone involved, and look at applicable traffic laws.
The magic number here is 50%. If you’re found to be 50% or less responsible for the accident, your deductible is waived completely under broad collision coverage. But if you’re 51% or more at fault – even just barely over that threshold – you’ll need to pay your full deductible.
Michigan law (MCL 500.3037) is quite clear on this point, stating that broad form collision coverage “shall pay for collision damage to the insured vehicle regardless of fault… deductibles shall be waived if the operator of the vehicle is not substantially at fault.”
I’ve seen many cases where clients were initially worried about having to pay their deductible, only to be relieved when the fault determination came back in their favor. However, your insurance company has the final say in determining those fault percentages, which is why having good evidence from the accident scene is so important.
Can I Switch from Standard to Broad Mid-Policy?
Yes! You don’t have to wait until renewal to upgrade your coverage from standard to broad collision coverage. Most of our clients are surprised by how simple this process can be.
When you decide to make the switch, we’ll add an endorsement to your existing policy. The best part? You’ll only pay the additional premium for the remaining months on your policy term – not for the full year. Your insurance company will simply calculate the price difference and charge you accordingly.
Some insurance companies might want to inspect your vehicle before adding broad collision coverage to make sure there’s no pre-existing damage they’d be covering. This is fairly routine and nothing to worry about.
Making the switch is as simple as giving us a call at Stanton Insurance Agency. We’ll walk you through the cost difference and handle all the paperwork to process the change quickly.
As I often tell my clients, “It’s worth taking a few minutes to review your policy declarations page to see exactly what type of collision coverage you currently have before making changes.” The wording can sometimes be confusing – terms like ‘broad’ versus ‘standard’ or ‘basic’ collision might be described differently by various insurers.
Upgrading to broad collision coverage mid-policy can be especially smart if you’re planning a road trip or if your driving habits have changed, giving you improved protection exactly when you need it.
Conclusion
When it comes to protecting your vehicle, knowing what is broad collision coverage can make all the difference after an accident. Throughout this guide, we’ve explored this valuable option that not only covers damage to your car regardless of who caused the accident but also offers that wonderful perk of waiving your deductible when you’re not primarily at fault.
Let’s take a moment to reflect on what we’ve learned. Broad collision coverage stands out from standard and limited options because it provides that financial cushion exactly when you need it most—when someone else causes an accident involving your vehicle. Yes, you’ll pay a bit more in premiums, but that extra cost buys significant peace of mind, especially for newer vehicles or those with loans or leases.
For Michigan drivers in particular, broad collision works hand-in-hand with the state’s mini-tort law. This means you have multiple layers of protection, including the possibility of recovering up to $3,000 for vehicle damage through the mini-tort provision if needed.
Is broad collision right for your situation? That depends on several factors that are unique to you. Consider your vehicle’s value—newer cars generally benefit more from this coverage. Think about where and how you drive—higher traffic areas increase your risk of not-at-fault accidents. And be honest about your financial situation—would paying a $500 or $1,000 deductible after an accident strain your budget?
Here at Stanton Insurance Agency, we believe insurance should be personalized to your specific needs. Our friendly team across Massachusetts, New Hampshire, and Maine is always ready to help you understand your options and make choices that provide the right balance of protection and affordability. We’ve guided countless drivers through these decisions, and we’re here to do the same for you.
Good insurance isn’t just about meeting requirements—it’s about driving with confidence knowing you’re properly protected. The right collision coverage gives you that confidence every time you get behind the wheel.
For more information about your car insurance options, visit our car insurance page or give us a call. We’re real people who understand that insurance decisions matter, and we’re here to help!
Drive safely, and remember—we’ve got your back when the unexpected happens.
