Auto Insurance

What’s in Your Garage?

No matter what you drive, having the right insurance for your car and assets is essential. Universal Insurance Services LLC offers a variety of coverage options to help you get the auto insurance policy that fits your needs.

Key Coverages

  1. Liability Coverage: Protects you if you’re at fault in an accident and cause injury or property damage to others. It covers legal fees, medical expenses, and repair costs.
  2. Collision Coverage: Pays for damage to your vehicle resulting from a collision with another vehicle or object, regardless of who is at fault.
  3. Comprehensive Coverage: Covers damage to your vehicle from non-collision incidents such as theft, vandalism, fire, or natural disasters.
  4. Medical Payments (Personal Injury Protection): Covers medical expenses for you and your passengers in the event of an accident, regardless of who is at fault.
  5. Uninsured/Underinsured Motorist Coverage: Protects you if you’re involved in an accident with a driver who doesn’t have sufficient insurance to cover the damages.

Additional Coverages

  • Rental Reimbursement: Covers the cost of renting a vehicle while your car is being repaired after a covered loss.
  • Roadside Assistance: Provides services such as towing, battery jump-starts, and flat tire changes.
  • Gap Insurance: Covers the difference between the actual cash value of your vehicle and the amount you owe on your auto loan if your car is totaled.

Universal Insurance Services LLC is committed to helping you find the right auto insurance policy to protect your vehicle and assets. Whether you drive a car, truck, or motorcycle, they have the coverage options you need.

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Potential Risks for Drivers:

  • Potential Risks for Drivers

    1. Accident Liability: You cause an accident, leading to potential legal and financial consequences. This can include covering the costs of damages to other vehicles, medical expenses for injured parties, and potential lawsuits.
    2. Self-Inflicted Damage: You accidentally damage your own car, such as hitting a stationary object or misjudging a parking space. This can result in costly repairs that you need to cover out of pocket if you don’t have the right insurance.
    3. Weather Damage: A hailstorm dents your car, causing significant damage to the bodywork. Weather-related incidents can be unpredictable and often lead to expensive repairs.
    4. Uninsured Incidents: An uninsured driver hits you, leaving you to cover the costs of repairs and medical expenses. Without uninsured motorist coverage, you might have to bear these costs yourself.
    5. Family Safety: Your son is injured in a single-car wreck, which can lead to medical expenses and emotional distress. Ensuring you have comprehensive coverage can help manage these unexpected costs and provide peace of mind.

    We can help you! Universal Insurance Services LLC offers a range of coverage options to protect you from these risks and ensure you have the support you need in any situation.