We're a New, Independent Insurance Agency
University Insurance Agency LLC is continually innovating new ways to help you save money on homeowners' insurance and other policies you need to feel safer and more financially secure. With our new and established carriers, we're able to keep your rates low and your coverage wide. Furthering our ability to help you is our combined experience in the industry. We have 13 years of combined experience working in the independent insurance field and 16 years of combined experience working in the financial management arena to better serve you.

Peace of mind. That’s what you get when you’re insured by a market leader that is there to help 24/7. That’s what being a Progressive customer all is about.
Car insurance is complicated. We created this brief guide to make it easier for you to understand the coverage’s, deductibles and limits and how they can work for you

COVERAGES*
Collision coverage pays for damages if your vehicle overturns or if it collides with another vehicle or object. Collision coverage is subject to a deductible amount that you are comfortable with – if there is a Collision claim on your policy, this will be the amount you’ll generally be required to pay.

COMPREHENSIVE*
Comprehensive coverage pays for damage cause by an event other that a car collision, such as fire, theft, vandalism, hail or flood. Comprehensive also covers damage from hitting an animal and covers the cost of a rental if your car is stolen. Comprehensive also covers damage from hitting an animal and covers the cost of a rental if your car is stolen. Comprehensive coverage is also subject to a deductible amount - usually the same amount you choose for Collision coverage

LIABILITY*
Bodily Injury and Property Damage (BI/PD) liability covers your legal liability, up to the limits you selected, for damages caused in a covered vehicle accident. If we cover an accident for which you’re sued, we pay for a lawyer to defend you. You choose your liability limits as either Split Limits or a Combined Single Limit (CSL). Split divide Bodily Injury liability limits per person and per accident. (For example, $1000,000/$300,000 means that we will pay for up to $100,000 for Bodily Injury liability per person in a covered crash and up to $300,000 per crash.) For Property Damage, we pay up to the limit you select per accident. CSL combines your liability coverage into one total limit per accident. ($300,000).

PERSONAL INJURY PROTECTION*
Personal Injury Protection (PIP) is available in certain states and is commonly referred to as “no-fault insurance.” PIP covers your medical bills and often lost wages.

PIP usually also covers the cost of personal services you must pay someone else to do for you as a result of a car accident.

MEDICAL PAYMENTS*
Medical Payments coverage applies no matter who is at fault and covers the cost of reasonable and necessary medical care provided to you as a result of a car accident.

UNINSURED/UNDERINSURED MOTORIST*
Uninsured/underinsured Motorist coverage pays for damages that you are legally entitled to recover for you bodily general, this coverage provides what you would have received from the other person’s insurance company if that person had insurance. This coverage may also protect you if the person who caused the damage does not have enough insurance.

RENTAL REIMBURSEMENT*
If you buy rental Reimbursement coverage, we will reimburse you for rental car charges incurred while your vehicle is being repaired after a covered accident. You can only buy rental reimbursement coverage if you buy Collision and Comprehensive.

ROADSIDE ASSISTANCE*
Roadside Assistance covers labor costs incurred at the place where your vehicle becomes disable as a result of a mechanical/electrical breakdown, dead battery, flat tire, and/or lock-out. We will also help if you run out of gas or other fluid or become stuck in snow or mud within 100 feet of a road of highway, if necessary, Roadside assistance will cover towing to the nearest qualified repair facility.

*coverage may vary by state. For your specific policy information, please refer to your policy.