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Draper, UT 84020

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Category: Auto Insurance

Moving to a New Residence? Consider These Auto Insurance Tips

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Moving to a new residence could alter your driving pattern and the hazards you face. Use the following tips from United Insurance Services, serving Draper, UT, to find the right auto insurance for your situation.

Driving Pattern

Consider your driving schedule, the distances you will be driving, and the types of roadways you’ll be driving on. If you will be driving more frequently than you are used to, you may want to increase the amount of liability and collision insurance you carry.

These types of insurance will protect you if you are involved in a vehicular accident that causes property damage or physical injuries. If you will be driving down congested roadways, it is important to have enough insurance coverage if you are involved in a motor vehicle accident with another vehicle.

Criminal Activity

Research the amount of criminal activity in your neighborhood. If criminal activity is more common than in the area where you previously lived, you may benefit from adding more personal property protection to your auto insurance. This type of coverage will pay for repairs and replacements if your car is vandalized.

Natural Disasters

Think about the possibility of a natural disaster occurring at your new home. If your vehicle is parked in an uncovered area, you may want to add extra insurance protection to your policy. Comprehensive coverage will help you pay for repairs if your vehicle is compromised during a natural disaster.

Modifications to Your Policy

Contact one of our United Insurance Services agents for a coverage review. We’re currently serving Draper, UT.

Important Steps to Take After an Accident

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If you are a Utah driver, you are required by law to purchase auto insurance. Many drivers have concerns or questions about their car insurance. If you live near Bluffdale, UT, our team at United Insurance Services Inc. can help you get the answers you need. We’ve been working with drivers like you for over 25 years.

Steps to Take After an Accident

Being involved in an auto accident can be overwhelming. According to the Utah Insurance Department, the most important step after an accident is to ensure that no one has been injured. Once you’ve checked on everyone’s condition, contact the police to report the accident. While waiting for the police, ask the other driver for their identification, including their name, telephone number, driver’s license number, and insurance information.

The Utah Insurance Department also recommends taking pictures of any damage to your vehicle. If there are witnesses, ask them to stay and speak with the police or take their names and phone numbers. After the police have recorded the details of the accident, contact your insurance company to report the incident. Your insurance company will assign a case number to the accident, which you can reference as the claim process progresses.

Call Us Today for Your Appointment

Driving without insurance is a risk you shouldn’t take. Our team at United Insurance Services Inc. is ready to help you select the best auto insurance policy for your needs. Drivers near the Bluffdale, UT area can rely on us for excellent customer support and service. Call us today to schedule an appointment and discuss your insurance needs.

Penalties for Failing to Insure Your Vehicle

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If you live in Utah and drive a car, you are required by law to purchase auto insurance. If you live near Bluffdale, UT, our team at United Insurance Services Inc. looks forward to meeting you and discussing your auto insurance options. We’ve been working with drivers like you in your area since 2020.

Penalties for Failing to Insure Your Vehicle

The State of Utah requires all drivers in Utah to carry proof of insurance and present it to a law enforcement officer when requested. In addition to the driver’s insurance card, the State of Utah maintains a database of insurance policy information. When a law enforcement officer checks your insurance policy document, they will verify it against the database to confirm your policy is active and in good standing.

If a person is convicted in Utah of driving without auto insurance, the state may suspend their driver’s license. According to the Utah Department of Motor Vehicles, driving a car without insurance is a Class B misdemeanor, and it may result in a fine of at least $400 for a first offense. If you are convicted of the same offense within three years, you will incur a fine of $1000. Your driver’s license will be suspended, and it will not be reinstated until you show proof of purchasing auto insurance.

Contact Us Today for Your Appointment

Avoiding these penalties is easy when you find an agent who provides the solutions you need. When you visit our team at United Insurance Services Inc., we will work with you to find options you need at a price you can afford. Residents of Bluffdale, UT will experience excellent customer service. Call us to schedule an appointment today, and let’s discuss your auto insurance.

Does Car Insurance Cover Your Own Injuries?

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Experiencing a car accident can be a traumatic event. The situation can become even more challenging when you discover that you don’t have enough coverage to handle the subsequent damages and costs. When you have car insurance, it’s crucial to understand whether your own injuries would be covered in the event of an accident. Will your car insurance policy cover any injuries you sustain, or will you be left to manage independently? Let’s delve into how insurance policies function in Utah and how you can secure the right protection with us at United Insurance Services Inc. We serve those in the Bluffdale, UT area and beyond!

Does Car Insurance Cover Injuries Sustained During an Accident?

In some cases, you may find yourself without the financial support you need, especially if your auto insurance policy only covers the bare minimum. However, Utah drivers must have at least $3,000 in personal injury protection (PIP) coverage because it’s a no-fault state. PIP will be the first type of auto insurance to pay out when you’re injured, which means you will be covered for at least some of your bills. If you’re looking to get more coverage than the bare minimum, you can purchase additional PIP and ensure that you can defend against high medical costs by investing in comprehensive health insurance.

Protect Yourself and Your Vehicle With United Insurance Services

Whether you want to meet the basic legal insurance requirements or you want more comprehensive coverage, we’re here to help. United Insurance Services Inc. experts are always ready to serve drivers in the Bluffdale, UT area and beyond. Get started now by comparing quotes on our website!

Understanding the Different Types of Auto Insurance Coverage

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If you’re planning to buy a car in the Bluffdale, UT, area, you need the right insurance. Understanding the different forms of coverage is an essential step in getting the right insurance. There are several important types of insurance that you need to understand when looking for support.

Collision and Comprehensive Coverage

When you’re looking for an insurance plan for your vehicle, you need to consider both collision and comprehensive insurance. If you have an expensive car to purchase and maintain, you need to protect your investment. With a collision and comprehensive insurance plan, you’ll get coverage if your vehicle is damaged in an accident or you incur another type of loss, such as theft or vandalism.

Liability Coverage

You also need to consider your auto insurance liability needs. Anyone who drives a car in Utah needs to have liability insurance. This helps to ensure you are able to cover damages that you may cause in an accident. It’s also required by state law.

Ancillary Coverage Options

Additional forms of coverage are also worth considering. Some helpful ancillary forms of coverage can include roadside assistance, reimbursement for rental cars, gap insurance, or new vehicle insurance replacement. These options come with an added cost but could be very helpful depending on your situation.

In the Bluffdale, UT area, having auto coverage continues to be necessary. If you’re considering a new plan here, calling us at United Insurance Services Inc would be very smart. Our team at United Insurance Services Inc. understands how important this insurance is, and they will provide the help you need to understand the different types of auto insurance coverage.

Differences Between Regular Car Insurance and Classic Car Insurance

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At United Insurance Services Inc. in Bluffdale, UT, we assist car owners of various kinds in safeguarding their valued automotive possessions. Whether you own a standard or a vintage vehicle, an experienced auto insurance company like ours knows which policy might best suit your particular vehicle based on specific characteristics. Since different cars may require different types of coverage, it’s advisable to collaborate with our qualified insurance representatives to explore all available options.

Understanding Car Insurance

Usually, car insurance provides coverage for your primary vehicle against liability, damage, and other risks. Most car insurance policies specifically cover the automobile you use for your regular commute and daily activities. Policies for additional vehicles can also be procured if needed.

What Is Classic Car Insurance?

In contrast to standard car insurance, classic car insurance caters specifically to antique and exotic vehicles. If your vehicle is more of a valuable asset or a hobby rather than simply being a means of transportation, classic car insurance might be a suitable option. Determining which type of car insurance best fits your circumstances without a direct discussion is challenging, so we highly recommend contacting us for specialized insurance information.

The Differences Between Regular Car Insurance and Classic Car Insurance

As the name suggests, classic car insurance is specific to classic automobiles, while regular car insurance covers standard vehicles. Classic car insurance policies may offer enhanced coverage provisions and higher limits to account for the car’s high value.

For more detailed information, don’t hesitate to call us at United Insurance Services Inc. in Bluffdale, UT.

Does Auto Insurance Cover Rust?

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Understanding Rust Damage and Auto Insurance Coverage

Rust might appear to be a minor cosmetic issue, but it can lead to severe implications beyond the aesthetics of your vehicle. Issues range from compromised structural integrity to potential safety hazards. At United Insurance Services Inc. in Bluffdale, UT, we believe in educating our customers about the limitations of their auto insurance policies concerning rust damage.

Rust Coverage and Auto Insurance

Generally, auto insurance does not cover rust damage, as it is typically considered a result of natural wear and tear rather than an unexpected or accidental event. As such, car owners must regularly inspect their vehicles and take necessary precautions to prevent rust formation and check its spread.

Steps To Control Rust Damage

While auto insurance does not typically cover rust damage, adopting certain practices can help control its impact. For instance, rustproofing treatments can immensely help prevent the spread of corrosion on your vehicle, potentially averting expensive repairs in the future. Similarly, a clean and dry car interior can inhibit rust formation on metal surfaces. Thus, regular, proactive vehicle maintenance can avoid future considerations related to rust damage.

Get In Touch With United Insurance Services Inc.

At United Insurance Services Inc. in Bluffdale, UT, we strive to provide quality coverage and help our customers understand their policies better. Reach out to us today for more about auto coverage and advice on managing rust on your car.

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

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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. 

Is a Car Accident a Criminal Offense?

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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. 

Protect Your Car from Theft During Your Summer Road Trip Travels

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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.

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