Fravi Insurance Services

Auto Insurance – Protecting You Wherever the Road Leads

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Auto insurance is about more than meeting legal requirements—it’s about protecting your livelihood and loved ones. As an independent agency, we partner with multiple carriers to help you find an auto policy that balances affordability with the protection you need. Whether you’re a daily commuter, a weekend road‑tripper or you drive for business, we’ll guide you through the essential coverages and optional add‑ons so you can drive with confidence.

Core Auto Insurance Coverages

Liability Insurance

Liability coverage pays for damages and injuries you cause to others if you’re at fault in an accident. It includes:

Bodily Injury Liability (BI)

Covers medical bills, legal fees and related costs if other people are injured in an accident you cause. Limits are typically listed per person and per accident (e.g., $100,000 per person / $300,000 per accident).

Property Damage Liability (PD)

Pays to repair or replace another person’s vehicle or property. Most states require a minimum amount of PD coverage, but you can choose higher limits for additional protection.

Physical Damage Coverages

These coverages protect your own vehicle. They are optional unless required by a lender.

Collision Coverage

Pays for damage to your car if it collides with another vehicle or object (tree, fence, etc.). Collision coverage is relatively expensive and may not make sense for older vehicles. listed per person and per accident (e.g., $100,000 per person / $300,000 per accident).

Comprehensive Coverage

Covers damage from non‑collision events such as fire, theft, vandalism, severe weather, floods or glass breakage. Comprehensive is usually cheaper than collision and is often chosen by drivers even when collision is dropped.

Personal Injury Protection (PIP)

In no‑fault or certain at‑fault states, PIP covers medical expenses and lost wages for you and your passengers regardless of fault. Depending on the state, PIP may also cover household services, disability expenses and even a death benefit.

Medical Payments Coverage (MedPay)

Helps pay for your initial medical expenses after an accident, regardless of fault. It can cover doctor visits, hospital stays, surgeries, prosthetics and ambulance services. Unlike PIP, it does not cover lost wages.

Uninsured and Underinsured Motorist Coverage

Protects you if you’re hit by a driver who has no insurance or lacks enough coverage to pay for your injuries or property damage. Uninsured/underinsured coverage can pay for medical bills and vehicle repairs for you and your passengers and may also provide coverage in hit‑and‑run situations

Optional Coverages to Consider

Beyond the essentials, you can customize your policy with add‑ons that fit your lifestyle:

Rental Reimbursement

Helps pay for a rental car while your vehicle is being repaired after a covered claim.

Towing & Roadside  Assistance

Covers the cost of towing your car to a repair shop and may include services like jump‑starts or tire changes.

 

Gap Coverage

Pays the difference between what you owe on your vehicle loan or lease and the actual cash value if your car is totaled.

New Car Replacement, Better Car Replacement or OEM Parts Coverage

Options some insurers offer to repair or replace your vehicle with original parts or a newer model.

Umbrella Insurance

Provides extra liability protection beyond your auto policy limits

How Fravi Insurance Services Helps

Every driver’s situation is unique. Our agents listen to your needs and explain coverage options in clear, jargon‑free language. We’ll review factors like your vehicle’s value, how you use it, state laws and your budget to recommend appropriate limits and optional coverages. As an independent agency, we can shop multiple carriers at once, ensuring you get competitive rates and the right protection.

Protect What Matters — Get Your Quote

Ready to see how affordable peace of mind can be? Reach out to the Fravi team for a personalized, no‑obligation insurance quote. Call 813‑898‑8992 to speak with a friendly advisor or click below to start your quote online. We’ll compare multiple carriers and tailor coverage to your needs — quickly, clearly, and at no cost to you.

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Frequently Asked Questions About Auto Insurance

A typical policy includes liability coverage for injuries and property damage you cause, physical damage coverage (collision and comprehensive) for your own vehicle, and optional coverages such as personal injury protection or medical payments and uninsured/underinsured motorist coverage.
Collision covers damage when your car hits another vehicle or object, regardless of fault. Comprehensive covers non‑collision events like theft, vandalism, fire, severe weather or flood damage
While not required everywhere, uninsured/underinsured motorist coverage is highly recommended. It pays for injuries and property damage if you’re hit by a driver who has no insurance or insufficient coverage. It can also protect you in hit‑and‑run accidents.
Personal Injury Protection (PIP) is a no‑fault coverage that pays for medical bills, lost wages and other expenses for you and your passengers, regardless of who caused the accident. Medical Payments coverage (MedPay) pays for initial medical expenses such as hospital bills, surgeries and ambulance costs but does not cover lost wages or other non‑medical losses.
Minimum liability limits vary by state, but they may not be enough to protect your assets. Consider higher liability limits (e.g., $100,000/$300,000) and physical damage coverage if your vehicle is newer or financed. Our agents will review your situation and recommend appropriate limits.
Insurers look at your driving record, age, vehicle type, coverage selections, deductible choices, credit history (in some states), and where you live. Discounts may apply for safe driving, bundling policies, low mileage, safety devices or good student status.
Requirements vary by state. Some no‑fault states mandate PIP, while MedPay may be optional or required in others. Even when optional, these coverages can provide valuable protection if you have high deductibles on your health insurance or want peace of mind for medical bills and lost wages.

Visit Fravi Insurance Services Today

Address: 8316 Hanley Rd #9, Tampa, FL 33634

Opening Hours:

Monday – Thursday: 9 AM – 5 PM

Friday: 8.30 AM – 3 PM

Phone: 813-898-8992