500 standard collision bs 1000 broad form collision?

I'm going over my car insurance, and I'm trying to decide what collision coverage to get. In price between the broad form and atanard is the broad form is 6 dollars less ivernthe 6 month period. If I'm less than 50 percent at fault I wouldn't have to pay the $1000. But if I'm over 50 percent... show more I'm going over my car insurance, and I'm trying to decide what collision coverage to get. In price between the broad form and atanard is the broad form is 6 dollars less ivernthe 6 month period. If I'm less than 50 percent at fault I wouldn't have to pay the $1000. But if I'm over 50 percent then I do. No matter over fault I pay the $500 with the standard coverage. I would essentially be betting on myself to not cause and accident and save me from paying a deductable. But if I do cause the accident with broad form now I pay double instead of if I had chosen standard coverage...what would you do?
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