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Draper, UT 84020

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United Insurance Services, Inc. Blog

Four of the most important things motorists in Utah need to know about auto insurance

If you are a motorist in Utah, you need to understand your obligations for purchasing auto insurance coverage. At United Insurance Services Inc., we can meet the insurance needs of motorists in Bluffdale, UT.

Here are four of the most important things motorists in Utah need to know. 

Utah motorists need to carry enough bodily injury and property damage coverage.

Motorists in Utah need to meet the state’s minimum coverage requirements. Auto insurance policies need to include $65,000 in bodily injury coverage per accident and $15,000 in property damage coverage. 

Utah motorists are not required to carry uninsured motorist coverage.

Utah motorists have the option of adding uninsured motorist coverage, but they are not required to carry this type of coverage by law. However, having uninsured motorist coverage is important for complete financial protection on the roads. 

Utah is a no-fault state when it comes to auto insurance.

There is a no-fault system in place for handling car accident damages in Utah. This means that a motorist will be covered for accident damages to themselves and their own vehicle regardless of who is at fault in an accident. 

Utah motorists need to carry proof of insurance with them in their vehicles.

If you get pulled over in Utah, you’ll need to show the law enforcement officer that you have insurance. It’s important to carry your auto insurance card with you wherever you go in your vehicle to prove that you’re meeting the state’s insurance requirements. 

Get a quote on an insurance policy today by calling us at United Insurance Services Inc. We offer quality auto insurance coverage to vehicle owners in Bluffdale, UT. 

What Your Home Insurance Agent Wished You Knew

At United Insurance Services Inc., we’ve helped many Bluffdale, UT residents find excellent home insurance policies at reasonable rates. However, we know that some homeowners don’t understand insurance. Here’s what we want you to know. 

Your Policy Doesn’t Cover Everything 

When we ask you to upgrade to flood and earthquake coverage, we’re not trying to get you to pay more money. Instead, we’re trying to protect you because most homeowners don’t know that a basic policy isn’t going to cover those disasters for their homes.

Wear and Tear Aren’t Protected 

When your home experiences a problem due to wear-and-tear issues, you’re not covered. That might seem frustrating, but these issues are preventable. If you’re careful about how you repair your home, you might never run into these types of issues. 

Coverage Gaps are a Real Problem 

We get that some people cancel their insurance so they can shop for other policies. However, that step leaves a gap that might cause you to get higher rates, as you’ll be seen as a risk. Don’t let your policy lapse at all: buy another one to replace a current coverage type.

Liability Coverage is Essential 

No matter how you use your home, make sure you max out your liability protection. You might even want an umbrella policy. After all, if somebody gets hurt in your house, you’ll appreciate that extra layer of protection to ensure you don’t get financially impacted.

We’re Here for You 

If you need help with your home insurance, call us at United Insurance Services Inc. to learn more. We can help Bluffdale, UT, residents find the policies that make sense for their needs. We’ll do what we can to identify your best options and give you the support you need.

Catastrophe Insurance Can Protect You From Unexpected Disasters

The concept of catastrophe insurance is something you need to understand if you want to keep your home or business safe. Our team at United Insurance Services Inc. can help you pick a policy that makes sense for your Bluffdale, UT home. Here’s what you need to know about how it can help you.

What Catastrophe Insurance Protects Against 

Catastrophe coverage is designed to protect you against various unforeseen and mostly natural disasters that could seriously damage your home or business. In Utah, there are many levels of protection that you might need, though some are more important than others. Just a few coverage options here include:

  • Earthquakes
  • Land/mudslides
  • Sinkholes
  • Floods
  • Terrorism
  • Wildfires
  • Tsunamis
  • Tornadoes
  • Hurricanes

This extra coverage is often relatively inexpensive to add as a rider to your current policy, so make sure that you talk with your agent to learn more about what’s available to you.

Why It’s Wise 

A typical home insurance policy can help protect against common dangers like fire, lightning, windstorm, hail, explosion, riot, vehicle damage, vandalism, and malicious mischief. However, it doesn’t cover the specific things we highlighted in the previous section. 

As a result, if any of those problems impact your home, your policy isn’t going to protect you. If you live in an area that’s prone to any of these catastrophes, it’s critical for you to consider this protection. Doing so can ensure you get the protection you need to keep your home safe.

We’re Here for You

With the help of our crew at United Insurance Services Inc., you can get the Bluffdale, UT catastrophe insurance you need to keep your facility safe. Please don’t hesitate to reach out to us if you’re interested in this support. We’ll do what we can to ensure you get the best possible quality.

Is a Car Accident a Criminal Offense?

Driving is something that many people do on a daily basis, whether for work, errands, or leisure. The more you’re out there on the road, the higher the chances are that you’ll become involved in a car accident at some time or another. Many people who have never been involved in a car accident before might wonder if a car accident is a criminal offense. United Insurance Services Inc. is here to assist. In most cases, car accidents aren’t crimes, but here is an overview that explains when a car accident can become a criminal offense. 

Drunk Driving

Whether you’re in Draper, UT or some other city or state, driving drunk is a crime. Driving while intoxicated becomes an even worse crime if you end up causing a car accident. Killing someone while driving drunk is an even more severe crime. You could face significant prison time for committing such an act. 

Hit & Run

A hit-and-run is when a person causes a car accident and immediately flees the scene. Regardless of the reason you decide to leave the scene following an accident, it is considered a criminal offense. After any car accident, even if you hit a parked vehicle, the procedure is to contact the police first and your insurance second. The police will ensure that you or any passengers are transported to the hospital if medical treatment is necessary. 

Schedule A Consultation Today

As you can see, a car accident isn’t always a criminal offense, but certain instances can cause an innocent car accident to escalate and become a crime. Road rage is another instance in which a car accident can be considered a crime. If you’re in need of a new auto insurance provider, we at United Insurance Services Inc. in Draper, UT are accepting new customers. Contact us today for a quote, and one of our licensed insurance agents will be happy to assist you. 

Home Insurance Essentials

Selecting the right home insurance policy can be challenging. At United Insurance Services Inc., we provide Bluffdale, UT homeowners with all of the tools that they need to make the best choice for their needs. Once it is time to get started, it is important for a homeowner to understand the most essential aspects of their policy. 

Home Insurance Essentials 

Checking In Early

When a potential homeowner is in the process of purchasing their first residence, they often fail to check in with an insurance agency like ours. In reality, those who check in early and start the process of obtaining homeowners insurance are going to have a much easier time finding the right policy. You should know whether you are able to insure a property before it is even purchased.

Ensure That You Have Enough Coverage

Many homeowners make the mistake of skimping on coverage but in reality? You should be speaking with our insurance agents so that you can ensure that you have enough coverage. Otherwise, your home and the assets within are not going to be covered in case of any number of major concerns that could arise over the course of your ownership.

Make a Plan For The Future

It is great to be prepared as early as possible but what is your plan for the future? When you speak with the good folks at United Insurance Services Inc., we are not merely interested in helping you choose a policy that works for your needs in the present. Your home (and your requirements) are going to evolve along with you. That’s why you need a team and a policy that can do the same.

Schedule A Consultation Today

Do you have any additional questions about your home insurance essentials? United Insurance Services Inc. in Bluffdale, UT is here to help you make sense of it all. Feel free to reach out to our experienced team of professionals as soon as you are ready to get started.

Does Homeowner’s Insurance Cover Natural Catastrophes?

One of the most common questions new homeowners have is, "Does homeowner’s insurance cover natural catastrophes?" Natural catastrophes including events like fire, flood, hurricane, earthquake, and tornado, and can cause extensive damage to both the interior and exterior of your home. United Insurance Services Inc. in Bluffdale, UT is here to help.

Here’s what you need to know:

Coverage Depends on the Specific Policy

Your coverage always depends on the language in your policy, so it’s important to discuss your needs with a licensed agent, who can ensure you have adequate coverage for your region. 

Many Natural Catastrophes are Covered

Damage caused to your home by these natural catastrophes is covered by most homeowner’s policies: 

  • Fire – except in certain cases, damage caused by a house fire is typically covered
  • Hail – most homeowner’s insurance policies cover damage caused by hail
  • Wind – high winds can damage your shingles, siding, fascia, and more, and these damages are often covered by homeowner’s insurance
  • Winter storms – while damage from winter storms is less common, it’s typically covered by homeowner’s insurance

Some Natural Catastrophes are Not Covered

Although coverage varies, these natural catastrophes are typically covered by a separate, additional policy and not by standard homeowner’s insurance: 

  • Flood – except in very specific circumstances, flood damage is not generally covered by your homeowner’s insurance; you’ll need a separate policy to cover damage from flooding
  • Hurricane – damage caused by a hurricane typically falls under hurricane insurance rather than homeowner’s insurance
  • Earthquake – damage caused by an earthquake is typically covered by earthquake insurance, which you need in addition to homeowner’s insurance if you live in a high-risk area

To learn more or get your quote for homeowner’s insurance, visit us at United Insurance Services Inc. in Bluffdale, UT today. We can help ensure you have the right coverage for your property and region. 

Protect Your Car from Theft During Your Summer Road Trip Travels

A summer road trip is one of the many perks of summer. By planning ahead and taking precautions to protect your vehicle on the road, you can look forward to safer, more enjoyable vacation travels. Here are a few tips from United Insurance Services Inc. in Bluffdale, UT to help keep your car safe from theft during a long-distance road trip.  

Theft Prevention Tips During Road Trip Travels

If you’re like most people, you’re probably more concerned about breakdowns on the road than having your vehicle stolen. Car theft, however, is a risk anytime you’re far from home. By taking the following precautions, you can reduce that risk and protect your vehicle and its contents:

  • Park your vehicle in well-lit, trafficked areas when stopping for meals or breaks to discourage thieves from making your car a target.
  • Close your sunroof and windows completely and lock your doors anytime you leave your vehicle unattended. When temperatures soar, it’s tempting to leave your sunroof open or crack your windows, but that makes your vehicle easier prey for theft.
  • Never leave valuable items in your car in plain sight, as they make your vehicle a more appealing target. If possible, store all luggage, sports gear, and camping equipment in the trunk where it’s out of sight, out of mind.
  • Never hide spare fobs or keys in or on your vehicle as it makes your vehicle that much easier to steal when you’re not there.
  • Invest in a car alarm and/or steering wheel lock for extra protection against car theft when traveling far from home. 

Comprehensive Auto Insurance

We also recommend you purchase comprehensive auto insurance to cover the risk of theft on the road. To learn more about this coverage, contact us today at United Insurance Services Inc., serving the greater Bluffdale, UT metroplex.

Three rules to follow when you buy home insurance

Buying home insurance protects your home’s value. You can insure your home in Bluffdale, UT with a policy from United Insurance Services Inc. There are a few rules you should follow whenever you buy home insurance.

Here are three key home insurance rules to be aware of:

Get an estimate on the replacement cost of your home

Choosing a home insurance policy that covers the replacement cost of your home is important. The replacement cost is the amount it would cost to completely rebuild your home if it was destroyed. 

If you are paying off a mortgage on your home, your mortgage lender will probably require you to be insured for your home’s replacement cost. This makes it important to determine what the replacement cost of your home is. 

Make minor repairs that bring down your premium

Your insurance provider will want to inspect your home before offering you coverage. After this inspection, your insurance provider might suggest home improvements you can make that will lower coverage costs or qualify you for coverage.

Be sure to make any minor repairs that will save you money on home insurance. 

Compare costs among different home insurance providers

Getting policy quotes is one of the most important steps when you buy home insurance. When you compare quotes, you can evaluate how competitively priced they are. You can also compare the coverage offerings of different companies and evaluate the customer service of various insurance providers. 

Looking For Home Insurance?

If you need a quote on an insurance policy for your property in the Bluffdale, UT area, we can help you at United Insurance Service Inc. Get in touch with us for information on our insurance offerings. 

How Does Catastrophe Insurance Overlap With Other Coverages?

Owning property in Bluffdale, UT, you want to be sure you’re protected from events that can create significant damage. Major storms, calamities, and the like are scary prospects, and it turns out that there’s a type of insurance made just for these events: catastrophe insurance.

But doesn’t your home insurance policy already cover a lot of this? How do the two work together? We get these questions a lot at United Insurance Services Inc., so we made a quick guide to help you understand common points of overlap between catastrophe insurance and other policies. As you read, remember that every policy is unique; these are only general comparisons.

Homeowner’s Policies

Catastrophe insurance is largely designed to cover gaps in typical home insurance policies. This includes natural disasters like floods and earthquakes. It also includes human disasters, like riots. In most cases, a home policy won’t have any overlap with catastrophe coverage, and that’s the point.

This largely holds true for commercial property insurance as well. The catastrophe policy is designed around traditional exceptions of coverage in property insurance. You won’t see very much overlap, if any, remembering that each policy is unique and will have specific differences in coverage.

Hazard Insurance

On the other hand, hazard insurance and catastrophe insurance tend to have a lot of overlap. With some providers, these are two names for the same insurance, but with many providers, there are subtle differences that are worth noting.

In general, hazard insurance is designed for the so-called acts of God. Major storms are a big example. Many home policies have limited or no coverage when it comes to “acts of God,” and hazard insurance is designed to make sure you are covered for those events.

Catastrophe insurance covers many of those same gaps, but it adds more coverage in terms of human-called catastrophes, like riots.

We Are Here To Help!

In all, catastrophe insurance is a great way to make sure your property in Bluffdale, UT, is covered from some of the most devastating events that can happen. If you would like to explore this idea in greater detail, contact your United Insurance Services Inc. representative today.

Utah Auto Insurance: Things You Need to Know

Do you live in or near Bluffdale, UT? Are you in need of auto insurance? If so, you should reach out to our experts at United Insurance Services Inc. But before you buy a policy, there are a few things you need to know about auto insurance in Utah. 

Minimum Coverage Requirements

Utah requires drivers to have a minimum amount of liability coverage in order to own and operate a vehicle, which includes $25,000 for bodily injury per person, $65,000 for bodily injury per accident, and $15,000 for property damage. It’s important to note that these minimums may not provide enough coverage in the event of a serious accident, so it may be wise to consider increasing your coverage. More coverage will cost you more in monthly premiums, but it could save you a fortune if you get in an accident.

No-Fault Insurance

Utah is a no-fault insurance state. This means that, regardless of who is at fault for an accident, each driver’s own insurance company is responsible for covering their medical expenses and lost wages. However, if your medical expenses exceed your policy limits or if your injuries are severe, you may be able to seek additional compensation from the at-fault driver. The circumstances of your case, as well as your policy, will dictate how the allotment of benefits is given.

Uninsured Motorist Coverage

Utah requires drivers to have uninsured motorist coverage, which provides protection if you are in an accident with a driver who does not have insurance. This coverage also helps in the event that the other driver does not have enough insurance to cover your damages. Either way, it is a requirement in the state of Utah and a good idea to have in general.

Optional Auto Coverage

In addition to the required minimum coverage, Utah drivers can also choose to purchase additional types of coverage, such as collision coverage, comprehensive coverage, and personal injury protection (PIP) coverage.

We Are Here To Help!

If you live in or near Bluffdale, UT, don’t forget to reach out to us at United Insurance Services Inc. to acquire auto insurance!

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