Chris Tepedino is a feature writer that has written extensively about auto insurance for numerous websites. He has a college degree in communication from the University of Tennessee and has experience reporting, researching investigative pieces, and crafting detailed, data-driven features. His works have been featured on CB Blog Nation, Flow Words, Healing Law, WIBW Kansas, and Cinncinati....

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Written by Chris Tepedino
Feature Writer Chris Tepedino

Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years (BBB A+). He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like and Safeco. He reviews content, ensuring that ex...

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Reviewed by Daniel Walker
Licensed Car Insurance Agent for 15 Years Daniel Walker

UPDATED: May 25, 2021

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Getting your broad form car insurance is a way to be certain you get all the coverage you need. Like full coverage in some areas, broad form auto insurance goes beyond the basic auto insurance coverage to help make sure you are fully covered for whatever comes your way. While you are generally going to pay more for the premiums on broad form insurance, you can still find affordable rates. It’s all about comparing rates and finding what works best for your needs.

Why Get Broad Form Car Insurance?

Broad form car insurance is a sure fire way to avoid getting stuck paying for expenses that can result from damage to your vehicle, another vehicle or any medical expenses related to an accident you could be in. Whether or not it is your fault, there are instances when you need that coverage to make sure it is all taken care of. Not to mention if you do not have insurance and live in a state that requires it, your expenses may not be covered in a collision even if you are not at fault.

Reasons for broad form insurance: Broad Form Car Insurance – Getting What You Need

  • When simple liability insurance isn’t enough, broad form auto insurance goes above and beyond to cover damage to your car, as well as someone else’s, and medical expenses.
  • In some cases you can secure this type of insurance to cover damage from things such as storms, fire, floods, theft and vandalism in much the same way comprehensive car insurance works.
  • Every state except for New Hampshire requires at least liability insurance, and some require a minimum of even more than that. Having the right amount of coverage and even some extra means you never have to worry about getting fines or tickets for an inadequate amount of insurance.

You Can’t Plan for Needing Broad Form Insurance

No one wants to be in an accident. Whether you are the at fault driver or not in a collision, the aftermath is never fun. This is especially true if there is any need for medical treatment. If you do not have the right kind of car insurance coverage or health insurance, you could be left paying for these bills. This could include:

  • Extended hospital stays
  • Surgery
  • Physical therapy
  • Prescriptions
  • After care and follow up visits

This is really just a short list of what you could be looking at for out of pocket expenses resulting from an accident. This could be for you as well as anyone else injured as a result of an accident in which you are deemed at fault.

No one plans for accidents nor wants them to happen. Help make sure the aftermath is as stress free and expense free as possible by getting your broad form car insurance in place. By just entering your zip code you can get your broad form insurance quotes today.