If you have limited collision coverage, your insurance will only cover damage to your car if you are 50% or less at fault for a collision. This policy does not have limited collision coverage because these damages are included in comprehensive collision coverage. Limited collision is the lowest form of collision that can be endured. This will only provide coverage if you are not at fault for the accident that caused damage to the vehicle.
Limited collision insurance only pays for the repair or replacement of the policyholder's car when another driver is at fault, while standard and comprehensive collision insurance applies regardless of who was at fault. The limited option may be a good option to keep your premium low, but it still offers you some collision coverage for an old car or a car driven by a young driver.