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13894 S Bangerter Pkwy #250
Draper, UT 84020

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United Insurance Services, Inc. Blog

Differences Between Regular Car Insurance and Classic Car Insurance

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?

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

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?

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

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.

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!

Three mistakes to avoid when you choose an auto insurance policy

The auto insurance policy you choose is important. You should choose carefully and avoid mistakes while selecting your policy. At United Insurance Services Inc., we can help motorists in Bluffdale, UT to choose a good policy.

Below are three mistakes to avoid when you choose an auto insurance policy:

Not getting enough quotes on auto insurance policies

It’s easy to get quotes on auto insurance policies from insurance companies. You should get quite a few quotes before deciding on the right policy. 

Requesting quotes from numerous insurance companies ensures that you’ll know you’re getting a competitive premium rate when you buy a policy. 

Being unaware of the details of the policy you purchase

Auto insurance policies can be complicated. Yet it’s essential that you understand the details when you purchase a policy. Make sure you understand exactly what your policy covers and what special features it offers.

Having a full understanding of your policy saves you from the stress of dealing with unpleasant disappointments when you are in an accident and need to file a claim. 

Failing to take advantage of the Internet during your search for a policy

The Internet is an essential resource when you are choosing auto insurance coverage. You can use our website to quickly and conveniently compare auto insurance options.

Contact Us Today

Are you in the process of choosing auto insurance coverage? We can help at United Insurance Services Inc. Visit our office or call us to get the details on the auto insurance policies we offer to vehicle owners in Bluffdale, UT. 

What Should I Know About Roadside Assistance?

When you’re tiring to decide what coverage to have in an auto insurance policy, roadside assistance is an optional piece to consider. Here at United Insurance Services Inc. in Bluffdale, UT, we are committed to helping our customers understand everything they need to know.

Understanding Roadside Assistance

Roadside assistance is exactly what it sounds like. Should you have problems with your vehicle, such as a breakdown or dead battery, you have access to help. More importantly, it’s available 24 hours a day, whenever you need it. You might use these services to get a tow to a nearby mechanic or simply jumpstart your battery on a cold winter morning.

Coverage For Roadside Assistance 

As mentioned earlier, roadside assistance is an optional coverage that you can add to your auto insurance policy. Here are some situations where it could be useful for policy owners.

  • Dispatching a tow– Have you broken down on the side of the road? Roadside assistance can provide a tow (within specified mileage) to get the repairs you need. 
  • Jumpstart a battery or vehicle lockout- You can have someone come to your location should you get locked out of your car or you need to get your battery jumped.
  • Gas delivery- It’s common for motorists to misjudge how much fuel they have left. Roadside assistance can help should you run out of fuel unexpectedly.
  • Flat tires- Getting a flat tire is more common than you think. Calling someone to help repair it can keep you safe on crowded highways.

Find Out More About Auto Insurance

Are you considering auto insurance for a new or pre-owned vehicle? United Insurance Services Inc. in Bluffdale, UT would love to get you started. Get in touch with us today to learn more about our insurance options. 

What Should I Do After a Car Accident?

If you have a car accident, it may help to think about what you should do afterward in advance. Not everyone can think about the appropriate steps when they are worried about the damage to the vehicles or some other problem. United Insurance Services, Inc. in Bluffdale, UT is happy to provide some suggestions on what to do after a car accident.

Steps To Take After A Car Accident

In the state of Utah, you would need to call the police after you are involved in a car accident. 

You, also, need to get information from the other person or people in the accident and witnesses, such as names, telephone numbers, addresses, and driver’s license numbers. Make a note of the date, time, and location of the accident, the road conditions, the make, model, and year of the vehicles involved, insurance companies and policy numbers, any damage and injury information, and what you saw and what happened. 

Contact your insurance company as soon as possible following the accident. 

Be certain to make notes in reference to your conversations with the insurance company, any police, lawyers, or other persons involved in the accident. 

Find out if you could get a rental vehicle, if you need one, with your insurance policy. 

If you have a disagreement with your insurance company about the amount of compensation you should get, contact your state insurance department. The Utah Insurance Department’s Property and Casualty Division can be reached at (800) 439-3805. 

Ask for a recommendation from your insurance company for a shop to repair any damages to your vehicle. Find out if they will pay you or the repair shop, too.

Give Us A Call

Contact United Insurance Services, Inc., serving the greater Bluffdale, UT community, to get an insurance policy that would help you if you have a car accident. They will be on your side and help you with your problem.

What is Liability Car Insurance?

Accidents are an unfortunate reality of driving a vehicle, and while you’ll hopefully avoid being in one, having the right insurance coverage is key. If you are deemed legally responsible for a car accident, then you may be on the hook for paying all related medical bills, auto repairs, and physical property damage for yourself and any third parties involved. Consequently, having adequate liability coverage on your personal auto insurance policy is vital. Liability insurance can vary from provider to provider, but it typically includes two key components:

  1. Bodily Injury Liability: If you are at fault in an accident, bodily injury liability will cover the medical bills for those injured up to your policy limits. Additionally, it will cover legal fees and loss of income that a third party suffers by not being able to work.
  2. Property Damage Liability: Pays for the costs to repair or replace items damaged in an accident, such as a vehicle, home, fencing, or store.

Utah requires that all motorists maintain at least the below liability coverage:

  • Bodily injury liability: $25,000 per person and $65,000 per accident
  • Property damage liability: $15,000 per accident
  • Personal injury protection: $3,000 per accident
  • Uninsured motorist: $25,000 per person and $65,000 per accident
  • Underinsured motorist: $25,000 per person and $65,000 per accident

When shopping for an auto insurance policy, keep in mind that these figures are just the minimum. An accident is likely to exhaust your liability coverage quickly if you only go with the minimum requirements. Consequently, you will want to purchase a liability insurance policy with enough coverage to protect the entirety of your assets if you are responsible for an accident.

At United Insurance Services Inc. in Bluffdale, UT, we know the insurance industry inside and out, so we’ll be able to help you find the perfect auto insurance policy.