Do you know the difference between Broad Form Collision and Regular Collision? Well if you have Broad Form Collision and you get in a car accident and it is NOT YOUR FAULT, you do not have to pay your deductible. If you have Regular or Basic Collision you will have to be your deductible.
Broad Form Collision gives you the luxury of knowing you will not have to pay anything if the accident is not your fault.
If you are at a stop sign and you get rammed from behind, you will have to pay your deductible if you do not have Broad Form Collision. If you want Broad Form Collision it is usually only around $60 for 6 mos. Broad Form Collision gives you the luxury of knowing you will not have to pay anything if the accident is not your fault.
As always if you would like a free 2nd opinion on your current car insurance policy, we'd be more than happy to gather you a few quotes to see if you qualify for lower rates and save you some money.