Auto / Vehicle Insurance
Get the coverage you need for nearly any vehicle you have:
Whether you are looking for auto insurance or something unique like boat or trailer coverage, UA works with major insurance carriers, so you can have the reliable coverage you need at a great price. Our experts are ready to assist you to ensure you get the policy right for you. Our experts are ready to assist you to ensure you get the policy right for you.
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Auto Insurance provides coverage for damage or injury to others, in the form of liability insurance, and can also provide coverage for injuries or damages to the insured.
Vehicle liability insurance has two components always included together: Bodily Injury coverage and Property Damage coverage. Vehicle liability insurance is the basic insurance coverage that covers injuries or damage to other people or property if you’re at fault for an accident.
Comprehensive insurance is a coverage that helps pay to replace or repair your vehicle if it’s stolen or damaged in an incident that’s not a collision. Comprehensive typically covers damage from fire, vandalism or falling objects (like a tree or hail). If you’re financing or leasing your car, your lender likely requires comprehensive coverage. If you own your vehicle outright, it’s an optional coverage on your car insurance policy.
Classic auto insurance usually covers your collectible vehicle for an agreed (often called “guaranteed”) value that is mutually agreeable to you and the insurance company – an amount the automobile is worth based on respected collectible car valuation guides like the Old Cars Report Price Guide.
Recreational vehicles, or RVs, include a wide range of motorhomes, from camper vans to bus conversions. RV insurance covers many of the similar risks that auto insurance does, including collision, comprehensive and liability coverage. You can also get additional protection for your personal belongings on board, equipment and attached accessories such as awnings and satellite dishes.
Boat insurance covers you in the event of a loss or damage to your boat. It covers most watercraft with motors, including fishing boats, pontoon boats, paddle boats, leisure crafts and yachts. Boat insurance does not usually cover canoes, kayaks or personal watercrafts. Often, include towing and wreckage removal, as well as fuel spill indemnification.
A standard motorcycle insurance policy will cover some portion of the costs associated with damage to your bike. It will also provide compensation in the event that you cause harm another person or their property or have legal fees to pay an accident. Known as “bodily injury and property damage liability,” your motorcycle liability insurance covers the cost of liability claims and legal fees, up to the limits of your policy, if are at fault in an accident.
Trailer insurance covers horse trailers, motorcycle trailers, ATV trailers, boat trailers, utility trailers, and many other varieties. The type of trailer you have and the way you use it will dictate the kind of insurance coverage you need. Some of the insurance coverage you may need for your trailer includes liability, collision, and comprehensive. While collision covers damage from an accident, comprehensive will provide coverage for things like hail and storm damage, theft and vandalism. The risk of liability is often overlooked because you tow rather than drive a trailer, and it does not have its own engine. However, trailers have been known to become unhitched and can cause extensive damage. Your auto liability may or may not cover damages from your unhitched trailer.