Broad Form collision coverage pays to repair your car regardless of fault. If you are more than 50% at-fault, you must pay a deductible. If you are 50% or less at-fault, you pay nothing. Standard collision will pay regardless of fault, except you must always pay a deductible. Limited collision pays to repair your car if you are 50% or less at-fault in an accident. If you are more than 50% at-fault, you receive no benefits.