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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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 Reviews.com and Safeco. He reviews content, ensuring that ex...

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Reviewed by Daniel Walker
Licensed Car Insurance Agent for 15 Years

UPDATED: Jan 20, 2012

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When it comes to auto insurance there are so many different types of coverage, policies, forms, and more that it is enough to confuse even the savviest of consumers.  While the basics of auto insurance are quite simple, there are many different variations among policies that it can be overwhelming at times.  In a basic sense broad form auto insurance is not necessarily intended to cover more types of accidents but rather is intended to provide coverage to more individuals.  This is why broad form auto insurance is generally a product that is utilized by businesses which have multiple vehicles and many drivers sharing these vehicles.  Because there is not one driver assigned to each vehicle, a driver may be behind the wheel of a different vehicle every day.

Who Should Get Broad Form Auto Insurance? 

What Is Broad Form Auto Insurance

The majority of broad form auto insurance is targeted for use by small to large size businesses.  There are some types of broad form insurance that are also intended for use by individuals.  In some states there is an option which is called broad form collision coverage and this generally determines who will pay the deductible for a collision claim.  With a broad form collision policy if you are determined to be 50% or more at fault for the accident you will pay 50% of the deductible.  If you are deemed to be less than 50% at fault you will not have to pay any of the deductible.  This is an appealing option, especially for those who are excellent drivers who use defensive driving skills regularly.

How is Broad Form Insurance Different From Other Types?

The major advantage of this type of coverage is that it generally provides coverage to more drivers in a greater amount of situations.  There are so many different variations of broad form policies that it is impossible to list the details of each policy.  However, there can be different forms or amendments added to these policies which specify certain scenarios and whether there is coverage or not.  These forms vary from insurer to insurer and the more coverage you are afforded the more it is going to cost you.  Many broad form auto insurance policies work in addition to standard liability and physical damage policies, meaning that you are better covered under a broad form policy.

Why Should I get a Broad Form Insurance Policy?

The fact that it provides more protection is the main reason that this is an appealing type of coverage to have.  If you have assets that you want to protect, such as a home or multiple properties, it is a good idea to have a broad form insurance policy in order to protect these assets.  For example, if you were responsible for an accident that resulted in extensive injuries to another party they could sue you for pain & suffering that was a result of the accident.  If a judgment was awarded in their favor for an incident not covered under your insurance policy your assets could be in jeopardy.  Think of broad form insurance as just another layer of protection to keep your assets in your control.