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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. 

A Look at Collision Insurance Coverage

At United Insurance Services Inc., we’ve helped many Bluffdale, UT, residents get the help they need to protect their vehicles. For example, we’ve set them up with collision coverage and much more. But what exactly is collision protection? Here’s what you need to know.

What Your Collision Insurance Covers 

If you get collision coverage, you are protecting yourself from any collision problems that impact your vehicle. This type of policy is critical because other options may not cover this damage, and you’ll need protection to avoid serious financial issues. Collision coverage pays for:

  • Collision damage is caused when you hit another vehicle 
  • Damage repair after you hit another solid object 
  • Single-car accidents, including rollovers and falling over 
  • Any other collision-related problems that may affect you 

Collision coverage is single-minded in its level of protection. It will help you when you get into a collision and repair your vehicle to ensure that it is ready to get back on the road. Like all policy types, though, there are some limitations to consider here. These include problems like:

  • Damage to another person’s vehicle caused by an accident 
  • Any non-collision damage to your car, such as hail storms or even theft 
  • All medical bill payments you might experience in a car crash 

As a result, it is also essential to consider liability protection and property damage coverage. You may also want to get comprehensive protection to keep your car safe. There’s no reason not to get the best level of security possible as a way of keeping your vehicle from damage. 

You Got This!

If you want collision insurance and want more comprehensive and protective policy types, you need to reach out to us at United Insurance Services Inc. right away to learn more. Our team has years of experience and understands the unique process of insuring your car in Bluffdale, UT.

Why is Auto Insurance Required in Utah?

In Utah, any driver using a car on a public road is required to have auto insurance. Driving in the Bluffdale, UT area is the most convenient and practical mode of transportation, so having auto insurance is more or less essential if you live in the area. United Insurance Services, Inc. serves the Bluffdale UT area through a variety of different insurance plans, auto included.

We highly recommend an auto insurance policy for you and all members of your family or household that drive; not only will you get penalized and fined if you drive without insurance, but you run the risk of not having any coverage should you get into an accident, whether it’s your fault or not. 

A full auto insurance policy will typically include liability protection, which covers you in the event of an accident, whether you were at fault or not. Being liable means you are responsible for the damage caused, but with liability protection, the out of pocket cost can be limited. 

Vehicle coverage is also typically included in an auto insurance policy, which means protection for your vehicle in the event of an accident. Cars are not cheap, and they get us safely from point A to point B, so protecting your vehicle from damage is another benefit of having auto insurance. 

Curious about the right auto insurance policy for you? United Insurance Services, Inc. is more than happy to help answer your questions, address your concerns, and will find the right plan for you and your family members. Ensuring everyone in your family is safe is your #1 priority, and finding the best coverage and policy to give you peace of mind is ours. 

Who should get auto insurance in Bluffdale?

If you are a vehicle owner in the Bluffdale, UT area, you will find that it is a lot easier to get around the community. Along with owning a car, you also need to make sure that you have proper insurance coverage. There are a few situations when having an auto insurance plan is going to be needed for car owners in this area. 

When Using a Car on Public Road

A situation when you will want to have a car insurance plan will come when you want to use your car on a public road. Any driver in Utah is going to be required to carry liability coverage. With this insurance, you will get the support you need to cover costs if you are at fault during an accident. If you do not have this protection, you will have to pay for damages out of pocket and could also face penalties for breaking state law. 

When Trying to Protect Vehicle

You should also get an auto insurance plan here when you want to protect your vehicle. Those that purchase any type of vehicle will want it to last for a very long time. A way to ensure this happens is by getting the right insurance. A proper plan can ensure you have coverage if the vehicle is stolen or damaged.

People that are in the Bluffdale, UT area always need to ensure that they have proper insurance protection. If you are going to look for a new insurance plan in this area, calling United Insurance Services Inc. can be helpful. The team with United Insurance Services Inc. can help anyone assess their needs and options when it comes to auto insurance. With this support, you will be able to choose a plan that will give you the right protection. 

Auto Insurance Myths Exposed

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

What is included with my auto insurance policy?

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.

Liability Protection

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.

What to do when involved in accident with under-insured motorist

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.

Gather information

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!