Personal Auto

Insure your personal auto with Universal. We are the largest automobile insurer in Puerto Rico. We offer a one year term policy for physical damage and liability insurance coverage for your auto. Many people refer to this policy as full cover.

You're covered for...

Collision: This coverage pays for damages to your insured auto when it hits, or is hit by, another vehicle or object.

Comprehensive: This coverage pays for damages to your insured auto if loss was caused by something other than a collision; such as theft, fire, vandalism, flood, earthquake, windstorm, and/or falling objects.

Liability: This coverage provides for damages caused by you to others, or to other people's property in a car accident, when you are legally responsible for the loss.

Such covered damages include for bodily injury and property damage. It also provides for legal defense expenses, if sued.

Bodily injury mean: bodily lesions, harm, sickness or disease, including death.

Property Damage means: damage or destruction of a tangible property.

Medical Payments: This coverage provides for medical expenses and funeral expenses incurred by you, or passengers occupying your insured vehicle, after being hurt in an accident.

Rental Reimbursement: This coverage provides for rental vehicle expense, while your auto is in the repair shop due to a covered damage.

Travel & Road Assistance: You may purchase this coverage for $45.00. Protection is offered while driving or traveling.

Road Assistance Services: Towing Service, Gas Service, Charge or Jumping-starting your battery, Tire Change Service and Locksmith Service.

Travel Assistance Services: Lost luggage during a regular flight, Medical assistance for an injury or illness suffered by the insured outside of Puerto Rico and others.

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More Information

Annual Auto Brochure

Other policies

Travel & Road Assistance

Double Interest

Auto Liability