What is included with my auto insurance policy?

Posted on September 21, 2020February 22, 2021 by admin

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.

How a home inventory makes filing a home insurance claim easier

Posted on August 31, 2020February 22, 2021 by admin

Owning a home is something you have dreamed of, and now you have closed on your home and gotten your first home insurance policy. The last thing you want to think about is having to file a claim. Almost 6% of homeowners filed a claim against their policy in 2018. Most of them were for theft. That is the loss of personal property, and having a home inventory can make filing a home insurance claim easier. At United Insurance Services, Inc. in Bluffdale, UT, you can count on us to ensure your insurance needs are met.

Making a home inventory takes time. Most people are busy and put off doing it, but you will be so grateful you took the time if you ever have to file a claim. You have several options when it comes to making the inventory. You can use a pad and pen, or you can use your phone or camera to make a digital record. A combination is probably the best option. Go through each room in your home and record all the items in it. Open cupboard and closets, go through drawers, top to bottom, include everything.

Details are important. Include brand names, models, and serial numbers for electronics. If you have the receipts put them together with the inventory. Don’t forget to go into your basement and the attic. You are going to find you have a lot more personal property than you ever knew. When you are done, you must find a safe place to save this record. A safety deposit box is a good option, but if that isn’t possible, a box that is water and fireproof is the next best thing.

If you want an insurance agent who will offer you lots of choices and put your needs first, United Insurance Services, Inc. in Bluffdale, UT would love to give you a no-obligation quote. Contact us at our office to set up an appointment.

Why is natural catastrophe insurance different from home insurance?

Posted on July 31, 2020February 22, 2021 by admin

Many people believe that their home insurance covers damage from natural disasters. Some of this kind of damage is covered if the home is located in an area where natural catastrophes are rare. But, United Insurance Services, Inc., serving Bluffdale, UT, would like to inform you that if your home is located in an area where natural catastrophes are more common, such as a flood plain or an earthquake fault, you may not be covered by your regular home insurance. You will likely need to buy a separate natural catastrophe insurance policy.

It is clear why a separate natural catastrophe insurance policy may be necessary. Some events, such as a storm or a hurricane, will do damage, such as roof or window damage. But an earthquake, tornado, or flood can destroy a home. Without a natural catastrophe insurance policy, you may be facing a total loss of everything you own except the clothes on your back.

Also, some natural catastrophe insurance policies will cover damages resulting from human-caused catastrophes, such as a riot. The cost of replacing the structure of a home or business and its contents can be enormous. A standard insurance policy may not cover such losses.

How do you find out whether you need to add natural catastrophe insurance to your standard policy? Feel free to contact the United Insurance Services, Inc., serving Bluffdale, UT. We will be happy to assess your risk and determine whether a natural catastrophe insurance policy is right for you.

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

Posted on June 23, 2020February 22, 2021 by admin

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!

Is Home Insurance Required in Utah?

Posted on May 28, 2020February 22, 2021 by admin

You’ve recently bought a home in Utah, and are considering home insurance to protect it from harm. If you’ve taken out a loan for your home, your mortgage company will probably require you to purchase home coverage. If you paid cash for your dwelling, home insurance isn’t a requirement by law. At United Insurance Services, Inc. in Bluffdale, UT, however, we recommend you purchase this coverage to protect your valuable investment against unexpected loss. Here’s how home insurance works to protect your home.

Types of Coverage

A standard home insurance policy offers the following basic coverage:

Dwelling – protects your home structure from damage or total loss
Additional Structures – protects other structures on your property that aren’t attached to your home, such as a utility shed or gazebo
Property – protects your belongings
Liability – covers accidents that result in injuries or property damage to guests visiting your home

Your home may be your most costly investment. If it’s damaged or destroyed in a natural disaster, you could lose everything. With home insurance, you can have the financial resources to replace your goods and rebuild your home after a disaster, enabling you to carry on. If an accident occurs on your property, and you’re held liable for injuries or damages, liability coverage will cover medical and property damage costs.

Scope and Amount of Coverage

You can customize your home insurance package to get the essential coverage you need. When purchasing dwelling and property coverage, take time to determine what you would need to replace your home or goods if they were lost in a disaster. Pricey goods such as elegant jewelry or high-end electronics may need extra protection in the form of an insurance rider to fully cover their value.

To learn more about home insurance policies and costs, talk to a United Insurance Services, Inc. agent in Bluffdale, UT today.

United Insurance Services, Inc.

Get An Insurance Quote In Utah