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Univista Insurance has become the fastest growing Insurance Agency in South Florida. This has been possible thanks to the quality customer service provided, the professionalism and knowledge of our employees and the excellent discounts offered on cheap auto insurance. UniVista Insurance has revolutionized the way insurance is sold in Florida, offering the best prices with prestigious companies and no upfront fees. The main product for UniVista Insurance without doubt is “Auto Insurance” this has established UniVista Insurance in Florida market.
The State of Florida requires you to carry a minimum coverage for your vehicle or better. These requirements are $10,000 for bodily injury or death to one person. You also need $20,000 of coverage for injury or death to more than one person, and $10,000 coverage for property damage.
The State of Florida is a no fault state, so you should discuss policies with a Univista auto insurance agent about your current policy, just to make sure your insurance policy will give you the coverage you need. If you bought a new or used car and financed it, there are many other types of coverage you may need, beyond the minimum requirements. If you need cheap auto insurance, get online auto insurance quote and a car insurance agent from Univista will have all the details.
Personal Injury Protection (PIP)
This covers you regardless of whether you cause an accident up to the limits of the policy. PIP is designed to reduce the necessity of suing for reimbursement of medical and related bills from auto accidents. According to Florida law, if you own a motor vehicle with four or more wheels you must carry PIP Insurance.
Your best protection from being sued for causing physical injury to another person in a car accident is to have adequate Bodily Injury Liability coverage, or BI. BI pays others for medical expenses, lost wages, and pain and suffering if you injure them in an accident.
Property Damage Liability Insurance pays, for damage you or members of your family cause to another persons property while driving. The term “property” includes, for example, a fence, telephone pole or building, as well as another car. Coverage applies even if you drive someone else’s car.
Comprehensive and Collision
As you might imagine, Collision coverage protects you if your car is damaged in a collision. This is true whether the collision is with another car, a tree, a wall or virtually anything. Comprehensive coverage covers you for loss to your car for all causes other than collision or upset.