Simply put, auto insurance is a contract that you have with an insurance company in which you agree to pay a premium, and in the event of an accident, the company agrees to pay for your covered damages, as outlined in your specific insurance auto policy. Your car insurance works by helping pay for bodily injury and property damage claims filed against you after an accident. This includes repairs on damaged cars and medical treatment for you or your passengers. Your policy may also cover damages done to any property from your accident. Optional coverages includes uninsured/underinsured motorists, medical payments, rental reimbursement and towing and labor coverage. At Univista Insurance we many options to chose from, getting the best coverage with the best price.