Understand Your Auto Insurance

The road ahead can be filled with twists and turns. Life’s sudden surprises, like an accident, can happen when you least expect it. Then again, you never expect an accident. But, with Universal Group Insurance, you can expect to have the right coverage for you and your car, so you can get back on the road as quickly and easily as possible.

Bodily Injury Liability

Many states require drivers to carry state minimum limits to protect themselves and other drivers. Bodily Injury Liability will protect the driver of the other car and its passengers and your passengers for any medical expenses they incur during an accident caused by you.  

Property Damage Liability

Property Damage Liability will pay for the repair and/or replacement of the other driver’s car in the event of an accident. It will also pay for property damage to buildings.  

Medical Payments

Medical Payments will cover medical expenses to you and your passengers injured in an accident. Coverage applies regardless of who is at fault. 

Uninsured Motorist

Uninsured Motorist coverage protects you when another driver is at-fault and has no insurance. You can choose to purchase this coverage to pay for the Bodily Injury and Property Damage when you are not legally liable for either.  

Comprehensive Coverage

Comprehensive will provide coverage for any cause of loss other than collision. For example, hail damage or a tree falls on your vehicle.  This coverage will provide for repairs to your vehicle or give you a check for the actual cash value of your vehicle.


Collision will provide coverage for your vehicle after colliding into another vehicle. This coverage will provide for repairs to your vehicle or give you a check for the actual cash value of your vehicle.

Rental Car Reimbursement

Rental Car Reimbursement coverage will reimburse you for renting a vehicle while your vehicle is being repaired because of a covered accident.

Towing and Emergency Roadside Assistance

If you have elected this coverage, the policy will reimburse the dollar amount indicated in your policy, if you had your vehicle towed or your battery died.

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