Screech. Squeal. Scrape. Crash. These are sounds car owners dread because they often go hand-in-hand with accidents, theft or petty vandalism. Relax. When the unexpected happens, Universal has a plan for that.

At Universal North America, our auto insurance protects more than cars. It protects families and their critical assets with quick, dependable service in the event of auto-related damages, loss, injury or lawsuit. That means Universal policyholders experience peace of mind all the time and a smooth road to recovery when accidents do occur.

Universal North America's standard auto insurance policy offers serious protection, including:

• Bodily Injury Liability This coverage pays for medical expenses, pain and suffering and other damages if a covered driver is responsible for accidentally injuring someone. It also covers related legal defense and court costs.
• Property Damage Liability This coverage pays for someone else's vehicle or property if a covered driver is responsible for the damages. It also covers related legal defense and court costs.
• Medical Payments This coverage pays for medical expenses due to injuries sustained in an automobile accident involving covered drivers and their passengers.
• Personal Injury Protection This coverage pays for medical expenses and lost wages due to injuries sustained by covered drivers and their passengers in an automobile accident.
• Collision This coverage pays for damage to an insured vehicle when it hits, or is hit by, another vehicle or object.
• Comprehensive Physical Damage This coverage pays for loss of or damage to an insured vehicle resulting from an incident other than collision, such as theft, vandalism, hail, flood, fire or hitting an animal.
• Uninsured/Underinsured Motorists Bodily Injury This coverage pays for injury to an insured driver caused by an at-fault uninsured or underinsured driver.
• Uninsured/ Underinsured Motorists Property Damage This coverage pays for damage to a covered automobile caused by an uninsured or underinsured driver.
• Rental Reimbursement This coverage pays for a rental vehicle when an insured automobile is unavailable due to a loss covered under Comprehensive or Collision. (Standard rental reimbursement is $20.00 per day, but coverage may be increased at the option of the insured.)

• Emergency towing and labor costs
• Permanently installed excess electronic equipment
• Automobile death indemnity and total disability
• Customized vans and pickups* (typically applies to modifications for the handicapped)
• Antique autos** (applies to vehicles 25+ years-old and maintained primarily for exhibitions)
• Golf carts
• Trailers and camper bodies**

*Comprehensive and/or collision available
**Liability and/or physical damage available

Start with our competitive rates; then check off any discounts that may apply. Universal North America offers flexible payment options for every budget.

*Please note that premiums are quoted semi-annually.

Managing your policy is easy with Universal's special website feature, My Universal. Make payments and gain access to important policy documents online at www.uihna.com/signup/.

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