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.

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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. 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.

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.

General Insurance

Can another driver file a claim on my insurance if they were hit by someone else driving my vehicle?

Since insurance coverage follows your vehicle then your policy would pay primary for damage caused by your car even if someone else was driving. That being said, it is possible that through the details of the accident the other driver could very well be considered at fault, in which case, the other driver's insurance policy should cover the damage to your car.

General Insurance

Should I get insurance or car registration first?

Mar 18, 2016 Provo, UT
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