Category: Auto 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.

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.

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. 

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.

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.