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Getting a quote is easier than ever. You may use our Online Forms or call our office directly at 801.224.5151
To make a claim, you will need to contact your insurance company directly. You may find the contact information here.
There are many great companies for you to choose from. Here are our personal recommendations for both vehicles and homes.
Typically, the only people covered while driving your vehicles are the drivers listed on your auto insurance policy. There are, however, a few companies that have some exceptions. For a more detailed explanation, please email us or call our office at 801.24.5151.
Bodily Injury and Property Damage Liability covers your legal liability for a covered accident that involves injury to another person or damage to someone's property, up to the limit of liability you select.
If your limits are 25/65/25, this means:
You are at fault for an accident that injured two people and damaged another vehicle. The other driver's total medical bills were $1,000 and the other passenger's total medical bills were $1,500.
The damage to the other vehicle was $5,000. All injuries and damages would be covered because they fall within the Liability limits you selected. Each person's injuries were less than $25,000, and the amount for all injuries was less than $65,000. The other vehicle's damage also was below the $25,000 Property Damage Liability limit.
On the other hand, if you are at fault for an accident and the medical bills from the injuries or property damage that you cause exceed your limits of liability, you are responsible for the remaining damage, which might put your personal assets at risk.
Personal Injury Protection (PIP) coverage pays the cost of necessary medical care you receive as a result of an auto accident and can be used regardless of who is at fault. PIP often is limited to medical treatment received within the first three years after an accident and is limited to a specific dollar amount.
You sustain $2,000 in injuries from an accident in which you ran into a tree. You do not have any health insurance, which means you can use your PIP coverage, up to the $1,000 limit you selected, for your injuries. You are responsible for the other $1,000 in medical bills.
When the person at fault for an accident does not have insurance, Uninsured Motorist Bodily Injury will cover injuries and damages you incur that the at-fault party is legally liable for, such as medical treatment and lost wages up to the limits you select.
If your injury expenses exceed the at-fault party's Liability limits, you can use Underinsured Motorist Bodily Injury coverage to pay for the amount not covered by the at-fault person's insurance. Similar to Uninsured Motorist coverage, Underinsured Motorist coverage is designed to cover the gap between the other person's Liability limits and the amount of your injury expenses, up to the Underinsured Motorist limits you select.
If the driver or owner of a vehicle is legally liable for an accident but does not have insurance or does not have enough insurance, you can use Uninsured/Underinsured Motorist Property Damage (UMPD) to cover damage to your insured auto, up to the limits you select. UMPD is not necessary if you already have collision coverage on your vehicle.
A driver who has no insurance rear-ends your car while you're sitting at a stop sign. Your car has $2,000 in damage. You go to the doctor because your neck is hurting, and your total medical bills equal $300. Your Uninsured Motorist limits are $20,000/$40,000/$15,000, which means your injuries and the damage to your car fall within these limits and will be covered.
Comprehensive and Collision coverages pay to repair or replace your auto if it is stolen or damaged in an accident, regardless of who is at fault. For each coverage, you select a deductible that you pay out of pocket. Your insurance company pays for the remaining damage up to the limits you select.
With Collision coverage, your insurance company pays for damage to your auto when you collide with another vehicle or object. If you hit a car, a pole or another nonliving object, Collision coverage will apply.
With Comprehensive coverage, your insurance company pays for damage to your auto caused by an event other than a collision, such as fire, theft or vandalism. If you hit an animal, or if your auto is flooded or stolen, Comprehensive coverage will apply.
Roadside Assistance coverage provides towing to the nearest qualified repair facility and covers a specified amount of the necessary labor at the place of breakdown when your automobile is disabled due to any of the following:
Some insurance companies require you to have Comprehensive and Collision coverage in order to add Roadside Assistance to your policy.
Rental Reimbursement provides rental car coverage if you have a claim that is covered under Comprehensive or Collision coverage. Daily rental amounts are subject to the limit purchased.
If you purchase Rental Reimbursement for $30/day, you will be reimbursed up to $30 per day, up to 30 days, for rental charges you incur due to a claim covered by your Comprehensive or Collision coverage.
The deductible you select for you policy is the amount of money you will have to pay up-front in case of a claim. Generally speaking, the higher your deductible, the less you pay monthly.
On your policy you have a $500 deductible. You have an auto accident and your vehicle sustains $1,100 of damage. You would be required to pay the first $500 of damages and your insurance company would pay the other $600.