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.
Oct 10, 2019 Taylorsville, UT

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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.
Jul 7, 2019 Kearns, UT

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.
Jan 19, 2019 St. George, Utah

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

Is car insurance a hard or soft credit check?

Insurance companies thankfully run a soft credit check. There are companies that do not use credit as a rating factor (as we discuss in our related article), but they are hard to find.

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.
Apr 24, 2018 St. George, UT

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.
Apr 16, 2018 Salt Lake City, Utah

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.
Apr 11, 2018 Provo, Utah

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.
Jun 12, 2017 St George, UT

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.
Oct 6, 2016 Logan, UT

General Insurance

Should I get insurance or car registration first?

In most states you are required to provide proof that your vehicle is insured before allowing you to register your vehicle. The insurance policy must meet the state's minimum coverage requirement to tag your vehicle so you will want to take your proof of coverage with you to verify your compliance with the law.
Mar 17, 2016 Provo, UT
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