Auto Insurance
Protecting Your Journey.
Auto Insurance
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?
ButtonIntentional 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.
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.
