Auto Insurance
Protecting Your Journey.

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Insurance AI Assistant

  • How Do I Begin?

    • Drivers and Household Members: Provide details for all drivers of the vehicle(s), including full name, date of birth, driver’s license number, and any other necessary information. Also, include the names and birthdates of all household members.

    • Vehicle Information: Include the year, make, model, and VIN (Vehicle Identification Number) for each vehicle to be insured.

    • Insurance History: Share details of your most recent insurance provider, if you’ve had coverage previously.

  • What is Not Covered?

    Intentional Damage


    Insurance is designed for accidents, not for damage caused intentionally. If someone intentionally damages their own car, it is considered fraud and no insurance company will cover it.


    Normal Wear and Tear


    Cars naturally wear out over time — brake pads, tires, or the engine might fail. These are maintenance issues, not accidents. Insurance only covers sudden events, not regular upkeep.


    Undisclosed Commercial Use


    If you use your car for work (like Uber, delivery, etc.) but don’t report it, you increase the risk without paying the proper premium. Therefore, personal auto insurance does not cover commercial use unless it is declared.


    Driving Under the Influence (DUI)


    If you’re driving under the influence of alcohol or drugs, you’re violating the law and putting others at serious risk. Insurance companies will usually deny claims in these situations because it’s considered reckless behavior.


    Illegal Activities or Racing


    If an accident happens while you're drag racing or committing a crime, your insurance won’t cover it. These actions are against policy rules and increase the risk far beyond normal driving.

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  • What About Costs?

    Several factors influence the average cost of car insurance, such as your driving record, the type of vehicle, and where you live. At Univista Insurance, we’re committed to helping you make informed choices with confidence.


    Our online quoting tool makes it easy to compare car insurance rates from multiple providers. This allows you to review various coverage options and select a policy that fits both your needs and budget. With Univista, you get the flexibility and support to choose the right car insurance for you.

Liability Coverage

Pays for property damage and medical expenses for third parties when you are responsible for an accident.


Collision Coverage

Covers repairs to your vehicle after an accident. If the car is declared a total loss, it pays the full value of the vehicle.


Comprehensive Coverage

Covers damages not related to collisions such as theft, vandalism, and natural disasters.


Personal Injury Protection

Helps cover medical expenses for you and your passengers after an accident, regardless of who is at fault.


Uninsured/Underinsured Motorist Coverage

Provides protection if you are hit by a driver who has no insurance or whose insurance is insufficient.


Personalized Auto Insurance Coverage

Everyone's needs are different—that's why Provida Insurance makes it easy to personalize your car insurance policy with the coverage that works best for you. While minimum car insurance coverages vary by state, you may benefit from additional options that provide broader protection. We're here to help you personalize your car insurance policy with the right blend of required and optional coverages.


Required auto insurance coverages.

State laws determine the minimum types and amounts of auto insurance you must carry, but these may not always be enough to fully protect you. Required coverages generally help pay for injuries or property damage caused to others in an accident you're responsible for — and some also offer coverage for you and your passengers.


Common required auto insurance coverages include:

You can increase your coverage limits above state minimums to ensure a better protection.

Vehicle-Specific Insurance Coverages

These coverages help repair or replace your vehicle if it's damaged in an accident or from events like theft, vandalism, or natural disasters.

Popular vehicle-specific coverage options

If you lease or finance your vehicle, your lender may require these coverages. Even if not required, they can give you peace of mind and reduce unexpected repair costs.

Optional Car Insurance Coverages for Added Peace of Mind

Beyond what's legally required, you can choose from additional car insurance coverages that offer extra protection for you, your passengers, and your vehicle.

Optional auto insurance coverage examples:


Ask yourself:

  • Would you need a rental while your car is in the shop?
  • Could you cover the repairs or replacement costs out of pocket?


These options can help bridge the gap between what's required and what's ideal for your situation.


Need Help Deciding What Coverage You Need?

We understand that car insurance can be confusing, and we're here to help. Use our coverage calculator to answer common questions like:

  • How much bodily injury coverage should I carry?
  • What deductible makes the most sense for me?
  • Do I need extra protection beyond state minimums?


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