Driving History

If I have an accident in my parent's car, will the accident be on my record or my parent's record?

Thanks for the question. Different claims departments file such claims differently.

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General Insurance

Who pays if I'm uninsured and a stolen vehicle hit my parked car?

Sorry to hear about your accident. If you're uninsured, your only recourse is to sue the individual who stole the vehicle.

Homeowners Insurance

Will I be covered if I build my house in a flood plain?

There's a couple of things to think about. Flood insurance is provided by the federal government through FEMA and the NFIP.

General Insurance
Insurance Companies

Will my FICO points drop when I get a quote for car insurance?

Fortunately, most insurance companies use only use "soft inquiries" and do not look at a full credit report. There is a statistical correlation between your credit score and how likely you are to file a claim.

General Insurance

Can I buy insurance for a car i do not have a title for?

While there could be some local laws I am missing, generally insurance companies only require you have an insurable interest in the vehicle in order to insure it. An insurable interest meaning, you actually own the vehicle.

General Insurance

Is car insurance a hard or soft credit check?

Soft credit check. There are companies that do not use credit as a rating factor.

Eligibility

Discounts on car insurance after taking a professional safety course for teens

While it's common for some insurance companies to give young drivers discounts after a professional driving course, it would really depend on your particular company. Although it's probably a good idea regardless for your daughters to take a driving course, I would call a representative at your insurance company prior to paying for the course.

Coverage & Claims
Eligibility

Can I set up car insurance for someone else as a surprise?

This could get a little tricky. I would recommend speaking with your insurance company to see what they recommend.

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.

General Insurance

Will I get a new car after an accident?

The answer to that really depends on your policy. If you don't have a specific part of your policy that outlines "new car replacement," you will most likely get the actual cost value of your vehicle.

Coverage & Claims

If I accidentally drove my car through a neighbor's fence, will my insurance company pay for the damage?

The liability portion of your policy is intended to pay for damage that you cause to another vehicle or property. This should include fixed objects like street signs, fire hydrants, and in your case, a fence.
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