Car Insurance in California | UNIVISTA INSURANCE

Car Insurance in California

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 car insurance, get online auto insurance quote and a car insurance agent from Univista will have all the details.

Car Insurance Coverages
California requires at least the following coverages:
*BI: Bodily Injury
*PD: Property Damage

We also offer the following auto insurance coverages:
Medical Payments, Underinsured Motorist Bodily Injury, Underinsured Property Damage, Collision Damage Waiver, Comprehensive / Collision, Rent and Roadside Assistance.

Are you looking for affordable car insurance? Now you can get FREE auto insurance quotes online and save with our great options. UniVista Insurance is one of the fastest growing independent insurance agency franchises in South Florida. They have brought their professionalism and quality customer service to California where they can now offer their excellent discounts on auto insurance. UniVista Insurance has revolutionized the auto insurance industry by offering competitive prices with prestigious companies and no upfront fees.

California law requires you to carry a minimum coverage that covers costs related to injuries and/or property damage that a driver may cause in a car accident. The minimum coverage required is $ 15,000 for bodily injury or death of a person, $ 30,000 of injury or death coverage for more than one person, and $ 5,000 of coverage for property damage.

Car Insurance Coverages that Univista Insurance offers in California

Bodily Injury (BI): This coverage, also known as BI, pays for medical expenses, lost wages, pain and suffering of other drivers, passengers or pedestrians in case the insured is at fault for the accident. In accordance with California law, if you own a motor vehicle with four or more wheels, it is mandatory to have this coverage.

Property Damage (PD): Property damage coverage or PD, pays for the damages that you or your family members cause to the property of other people while driving. The term “property” includes, for example, a fence, a telephone pole or a building, as well as another automobile. Coverage applies even if you drive someone else’s car. In accordance with California law, if you own a motor vehicle with four or more wheels, it is mandatory to have this coverage.

Medical payments (MD): If you, or one of your passengers, are injured in a car accident in California, either through your fault or the fault of the other driver, Med Pay coverage will be responsible for paying medical expenses for bodily injury or funeral expenses, driver and those of his passengers, involved in the accident.

Uninsured / Underinsured Motorist Bodily Injury (UMBI): According to statistics from the California Department of Insurance (CDI), a significant percentage of drivers in the state do not have auto insurance. This coverage for uninsured or underinsured drivers, also known as UMBI, covers damages for bodily injury caused by an accident with an uninsured driver at fault.

Uninsured / Underinsured Motorist Property Damage (UMPD): This coverage for uninsured or underinsured drivers, also known as UMPD, covers property damage caused by an accident with an uninsured driver at fault.

Collision Damage Waiver (CDW): The California collision deductible exemption, also known as CDW, pays your collision deductible when your car is damaged by an uninsured or fleeing driver and is at fault.

Comprehensive and Collision (CMP / COLL): This coverage of complete damage to the car, also known as CMP / COLL, covers the insured’s car. It is applied to repair or replace your car if it is stolen or damaged in an accident, regardless of who is at fault. Collision coverage or COLL, covers if the collision is with another car, tree, wall or other fixed and / or moving element. With full coverage or CMP, your insurance company pays for damages to your car caused by an event other than a collision, such as fire, theft or vandalism.

Rental reimbursement coverage: Rental coverage is a type of optional car insurance coverage that helps pay the cost of a rental car while your vehicle is being repaired after a car accident or after suffering damages covered by your car insurance policy.

Roadside assistance: We offer you more peace of mind with the added benefit of our Roadside assistance coverage. Adding roadside assistance to your policy will allow you to enjoy the following aids: towing, battery service, flat tire service, fuel delivery, car opening service by leaving the keys inside. With this coverage you will have immediate assistance available 24 hours a day, 365 days a year.