Eligibility

Can I still get insurance if I just found out that my car has structural damage?

Sorry to hear about your accident and the resulting damages. This is a tricky situation.

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Eligibility

Can I still get insurance if I just found out that my car has structural damage?

Sorry to hear about your accident and the resulting damages. This is a tricky situation.

Coverage & Claims

Can an insurance company only cover the vehicle but not the driver?

An insurance company can deny a claim if the guilty party was not in compliance with the rules set by their insurance plan. This does not, however, mean the guilty party is off the hook.

Coverage & Claims

Can I be reimbursed for a rear-end collision damage after 3 years?

Since you filed a claim, you should still be compensated for the damages. I would get in contact with the other party's insurance as soon as possible.

Coverage & Claims

Do I have to pay a deductible if I hit someone but my vehicle is not damaged?

You only have to pay a deductible when your collision or comprehensive coverage pays for damages to your vehicle after filing a claim, so no, you will not need to pay a deductible in this case. I also recommend reading this article regarding claims to see how this will impact your rate.

Coverage & Claims

I was rear ended but I’m an excluded driver of the vehicle, will the damages be covered?

Typically when you're rear-ended, the other driver is at-fault. If they are found at-fault and they have insurance, their insurance company should pay for the damages and you being an excluded driver would not matter.

Coverage & Claims

An excluded driver got into an not-at-fault accident with my vehicle

In this situation, it can depend. When a driver is excluded from a car insurance policy, this means they are not covered to drive your vehicle.

Coverage & Claims

My car was hit at a stop sign

Sorry to hear you were in an accident. How you file your claim can depend on if there are any injuries or if it is just damage to your car. For most car insurance policies, the only time you would file a bodily injury claim is when you are not at fault in an accident, meaning the other person caused you to sustain injuries requiring medical attention.

Coverage & Claims

Someone backed car into me who is at fault

Sorry to hear you were in an accident. First, the only people who can determine fault in an accident are insurance companies through their insurance adjusters.

General Insurance

How does being rear ended affect your car insurance in a no-fault state?

Because of the way Utah's no-fault car insurance works, every driver is required to file a claim with their own insurance company after an accident, regardless of who was at fault. This is typically covered by your Personal Injury Protection coverage. Unfortunately, this can make your car insurance very expensive as companies are wary of drivers with these types of claims even their cost and propensity for insurance fraud.

Coverage & Claims

I was rear-ended but the driver drove off before we exchanged information

The safest course of action would be to contact your insurance company with all the information possible. Including the police report and the at-fault driver's license plate information.
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