Every car on the road in Bluffdale, UT requires auto insurance. The minimum insurance coverage needs to include a limit amount for Bodily Injury Liability, Property Damage Liability, Personal Injury Protection, Uninsured Motorist, and Underinsured Motorist. The last two items, Uninsured Motorist and Underinsured Motorist, are not compulsory must-haves and can be waived in writing with your insurance company. However, United Insurance Services, Inc. recommends that you do not waive these items.
The terms uninsured and underinsured mean that the uninsured motorist does not have any insurance whereas, the underinsured motorist has insurance. Still, their coverage limits are too low to cover the accident claim. The minimum liability insurance requirements don’t always provide sufficient coverage to pay for all the expenses after an accident. The Uninsured/Underinsured cover on your personal policy will provide that extra protection if you are involved in an accident that was not your fault. Still, the driver who caused the accident does not have enough (or any) car insurance coverage.
Normally, if you are involved in an accident caused by someone else, you can file a claim with the responsible driver’s insurance company to recoup your losses. But, if the other driver has insufficient insurance to cover the claim, you may be forced to pay out of pocket for medical bills or car repairs. Unless your own policy carries Uninsured/Underinsured limits, in which case, the policy will pay out the shortfall. The policy will “kick-in” once the accident claim amount is higher than the at-fault party’s insurance liability coverage.
To help protect your assets, contact United Insurance Services, Inc. in Bluffdale, UT. Their friendly advisors will help you decide how much Uninsured/Underinsured motorist coverage you need to ensure you are fully protected against life’s little mishaps.
Regardless of where your home is situated in Bluffdale, UT, you are bound to bask in the scintillating mountainous backdrops of the city. Irrespective of the perfect location that your household is located, you need to protect your investment. At United Insurance Services, Inc. in Bluffdale, UT, we offer various homeowners insurance coverages to ensure that you safeguard your home against imminent perils such as theft and other covered damages. Our charismatic agents work closely with our clients to craft coverages that are right for their situation.
A homeowners’ policy covers your home against fire, water damage, lawsuits, theft, and other covered losses stated in your policy document. This form of the policy gets designed to repair or replace your covered belongings regardless of age or current condition. Acquiring home insurance in Utah depends on several factors to determine the premium rates. They include:
- Materials used for construction.
- Age (how new or old the house is)
- Swimming pool.
- The type of coverage chosen.
Utah residents should choose a home insurance option that is perfect for their budget and lifestyle. In a nutshell, homeowners insurance provides financial protection against loss due to calamities, accidents, and theft. Visit us today at our offices and speak to our team. We will guide you through the process of obtaining home insurance matching your needs and budget.
What is covered under a home insurance policy in Utah?
- Coverage for the structure of your home: This form of policy caters to renovating or reconstructing your house if it gets ravaged by fire, vandalism, or other calamities. They also cover detached structures such as a gazebo or a garage.
- Coverage for your belonging: It protects your items such as sports equipment, furniture, and clothes if they are robbed or damaged by fire, hurricanes, or other insured calamities.
- Liability protection: It covers you against lawsuits emanating from bodily injury or property destruction that you and your family members inflict on other people.
- Additional living expenses: It caters to additional costs while you are away from your home if it is uninhabitable after damage from a covered peril.
Call or visit our offices at United Insurance Services, Inc., located in Bluffdale, UT, to get a customized quote on a homeowners’ insurance policy.
Anyone that lives in the Bluffdale, UT area will want to make sure that they get proper insurance for their home. When you are looking to improve your personal insurance plan, a great type of coverage to get is natural catastrophe insurance. There are several reasons that you will need to get this type of protection here.
Insures Against Local Risks
One of the reasons you need to get natural catastrophe insurance is to help you protect against local risks. No matter where you live, there is always a risk that a natural catastrophe could occur. Some examples of this can include tornados, hurricanes, or even forest fires. When you get a natural catastrophe insurance policy, it can be curtailed to protect against these risks to ensure your home is covered.
Insurance is a Requirement
You will also want to get natural catastrophe insurance because it is a requirement for you. Mortgage lenders may require those who will purchase a home in certain areas to carry natural catastrophe insurance. A lender that deems that your home location is at a higher risk for a natural catastrophe will want to know that you are covered if one occurs.
When you purchase a home in the Bluffdale, UT area, you will want to know that you have the right insurance plan in place. A great form of insurance to get here is natural catastrophe insurance. When you look for a new policy here, you should call the United Insurance Services, Inc. team. When you call our United Insurance Services, Inc. team, you will learn a lot about this unique form of coverage and how it can protect your important asset.
United Insurance Services, Inc. serves the Bluffdale, UT community by offering residents multiple types of insurance coverage. We strive to offer our clients a quality insurance experience. Our primary objective is to help our clients find the policies they need to enjoy peace of mind.
Auto Insurance Myths Exposed
Auto insurance will cover your vehicle as you are traveling around Bluffdale, UT. You’ll be covered if your vehicle is involved in an accident with another driver or an object. Liability coverage will protect you if you are held responsible for the damage and injuries sustained in the collision. Comprehensive coverage protects you if you are a victim of theft or if your vehicle is damaged due to a natural disaster. While you are researching different policies, avoid some auto insurance myths that are circulating.
One Parking Ticket Can Negatively Impact Your Policy
As long as you generally practice safe driving habits, your auto insurance policy will not be impacted. One parking ticket is seen as a minor violation, which will not damage your policy.
You Are Unaffected If Someone Drives Your Car And Causes Damage
This is incorrect. Whether you are driving or not, your policy is the primary insurance on your vehicle. If someone causes damages while driving your car, you will be liable regardless of whether driving your car has its own separate policy.
I Can Use My Policy To Cover Business Related Endeavors
This is not true, as you’ll have to inquire about commercial auto coverage if you plan to use your primary vehicle for business endeavors. Using your vehicle for business brings a unique set of risks that a traditional auto policy may not cover.
United Insurance Services, Inc. Will Help You Cover Your Investment
Visit our website to learn more information about auto insurance
Home safety is a major concern for many reasons. Every year in the United States, more than 150,000 people die due to accidents, and 75% of these are at home. Making sure your home is safer is a top priority. At United Insurance Services, Inc. in Bluffdale, UT, we take our clients’ safety seriously and want to make sure we help them feel secure with good home insurance. As independent agents, we can offer more choices and better prices.
Home safety is not just one thing; it is a combination of things. It starts with making sure that your home is in good repair. An uneven walkway can lead to falls and injuries. A loose or damaged railing can also lead to a fall. Falls are one of the main causes of injuries at home, and keeping them from happening is better than trying to recover from one.
Home security is another safety issue that should be addressed. Home security systems are easy to install and affordable. It can be as simple as a doorbell camera or a monitored system. If this isn’t something that you want at your home, make sure you have deadbolts on your doors and that all your windows have locks. Keep shrubbery low around your home and install motion detector lights.
Inside your home having smoke and carbon dioxide detectors is a must. Not only do they add safety, but they are an early warning system if there is smoke or carbon dioxide in your home, especially when you are sleeping. Having an escape plan is also a good safety measure to have in place.
A home is a place you should feel safe, and these are just a few ways to make it safer. Contact United Insurance Services, Inc. in Bluffdale, UT to find out more about home insurance.
Dealing with a natural catastrophe can be a very stressful experience. During these situations, which could include earthquakes, major fires, or other natural disasters, you will be concerned primarily about the well-being of others. However, those that lose their homes or businesses due to a natural catastrophe could experience even more stress. To protect against this, you should get natural catastrophe insurance. There are several benefits when you get this insurance in the Bluffdale, UT area.
Ensures Coverage for Catastrophes
The main reason you will want to have a natural catastrophe insurance policy is to give you coverage against the risk of a natural catastrophe. Many people would be surprised to find out that their base home insurance policies can offer limited protection if a natural catastrophe occurs. When you get a natural catastrophe insurance policy, you will ensure coverage against these significant events.
Depending on where you live, there is a chance that you could be required to carry natural catastrophe insurance to protect your home. A mortgage lender will want to ensure that their investment is properly covered by insurance. Due to this, they will want you to have proper coverage for the natural catastrophe risks in your area. This could include requiring you to have a natural catastrophe insurance policy.
If you are looking for a way to protect yourself against the risk of a natural catastrophe in the Bluffdale, UT area, you should contact United Insurance Services, Inc. The team at the United Insurance Services, Inc. is well aware of the great protections that are provided by a full natural catastrophe insurance policy. They can answer any questions you have and ensure you get into a proper policy that gives you protection and peace of mind.
When you live in the Bluffdale, UT area, it is very important that you own a car. With a vehicle, you can be much more efficient when getting around town. If you have a car, you will need to make sure that it is properly covered by auto insurance. A full auto insurance policy will include several forms of insurance coverage that will adequately protect you and your vehicle.
One component of your auto insurance policy that is very helpful is your liability protection. Driving a car is a prevalent task. However, even very safe and experienced drivers could cause an accident. If you are deemed liable for an accident, you will be responsible for any damages that you cause. With auto insurance, you can limit your out of pocket financial risk as you will receive coverage for these situations.
Coverage for Vehicle
Another type of coverage that you will get with auto insurance is protection for your vehicle. A car is a big purchase and investment that you need to consider carefully. One of the best ways that you can protect this investment is by getting insurance. With a policy that has collision and comprehensive protection, you can receive coverage for virtually any scenario that will result in a loss for you.
As you are shopping for insurance in the Bluffdale, UT area, you should call United Insurance Services, Inc. When you reach out to United Insurance Services, Inc., you can receive a lot of support needed to pick a new policy. The team here can carefully evaluate your personal situation and help you choose a policy that gives the type of protection you need for yourself and your vehicle.
Owning a home is something you have dreamed of, and now you have closed on your home and gotten your first home insurance policy. The last thing you want to think about is having to file a claim. Almost 6% of homeowners filed a claim against their policy in 2018. Most of them were for theft. That is the loss of personal property, and having a home inventory can make filing a home insurance claim easier. At United Insurance Services, Inc. in Bluffdale, UT, you can count on us to ensure your insurance needs are met.
Making a home inventory takes time. Most people are busy and put off doing it, but you will be so grateful you took the time if you ever have to file a claim. You have several options when it comes to making the inventory. You can use a pad and pen, or you can use your phone or camera to make a digital record. A combination is probably the best option. Go through each room in your home and record all the items in it. Open cupboard and closets, go through drawers, top to bottom, include everything.
Details are important. Include brand names, models, and serial numbers for electronics. If you have the receipts put them together with the inventory. Don’t forget to go into your basement and the attic. You are going to find you have a lot more personal property than you ever knew. When you are done, you must find a safe place to save this record. A safety deposit box is a good option, but if that isn’t possible, a box that is water and fireproof is the next best thing.
If you want an insurance agent who will offer you lots of choices and put your needs first, United Insurance Services, Inc. in Bluffdale, UT would love to give you a no-obligation quote. Contact us at our office to set up an appointment.
Many people believe that their home insurance covers damage from natural disasters. Some of this kind of damage is covered if the home is located in an area where natural catastrophes are rare. But, United Insurance Services, Inc., serving Bluffdale, UT, would like to inform you that if your home is located in an area where natural catastrophes are more common, such as a flood plain or an earthquake fault, you may not be covered by your regular home insurance. You will likely need to buy a separate natural catastrophe insurance policy.
It is clear why a separate natural catastrophe insurance policy may be necessary. Some events, such as a storm or a hurricane, will do damage, such as roof or window damage. But an earthquake, tornado, or flood can destroy a home. Without a natural catastrophe insurance policy, you may be facing a total loss of everything you own except the clothes on your back.
Also, some natural catastrophe insurance policies will cover damages resulting from human-caused catastrophes, such as a riot. The cost of replacing the structure of a home or business and its contents can be enormous. A standard insurance policy may not cover such losses.
How do you find out whether you need to add natural catastrophe insurance to your standard policy? Feel free to contact the United Insurance Services, Inc., serving Bluffdale, UT. We will be happy to assess your risk and determine whether a natural catastrophe insurance policy is right for you.
While auto insurance remains a legal requirement, there are still drivers who drive across Utah without insurance. Both uninsured and underinsured motorists make you vulnerable on the roads, especially when they are at fault in an accident. So, what do you do in case you are involved in an accident where the uninsured driver is at fault? United Insurance Services, Inc. in Bluffdale, UT is ready to discuss what you should do.
Call the police
Every time you are involved in a car accident, whether the other party is insured or not, it is always critical to notify the police immediately. If the driver you are dealing with is uninsured or underinsured, it is even more important to call the police. The police will help you get your damages, injuries, and losses covered and help you make a claim. It is vital that you make no negotiations until the police arrive as the other driver may try to convince you not to involve the police.
Accept no cash
Most underinsured and uninsured drivers tend to be cunning when they are at fault. They are aware that they may face hefty fines and penalties for not carrying insurance. For this reason, they may try to silence you with money. Remember, unless you are a vehicle engineer, you may not know the depth of the damage or injury. That is why it is essential to resist the money.
Even if the other party doesn’t have insurance, it is still prudent to take their personal details like name, phone number, address, and vehicle details. If they do not provide it, you can rely on witnesses who can help you get the information. Take note of the time, the vehicle involved, and the location the accident happened. You will need this in the claiming process.
Finally, take pictures of the damages or injuries if you or anyone in the car was injured. Make sure to stay safe as you wait for the police to arrive. If you still have questions, United Insurance Services, Inc. in Bluffdale, UT is here for you. Contact us today!