Anyone in the Sandy, UT area will want to know they have a reliable mode of transportation. One of the ways you can do this is by investing in a car. When shopping for a vehicle, you also need to consider your insurance needs. For various reasons, you will need an auto insurance plan in full effect in this part of the state. 

Meet State Requirements

One of the reasons you will need to carry an auto insurance plan at all times is to meet any state requirements. Just like in other states, those who are in Utah will need to have insurance to comply with requirements regarding liability insurance. With this insurance, you will remain in good standing with such obligations. 

Protect Vehicle

If you purchase a car in Utah, you will make a very sizable investment that you will want to protect as well as you can. A great way that this can be done is by getting a full auto insurance plan. When you do have a full auto insurance plan with comprehensive and collision coverage, it will give you all forms of support. This includes if you incur a loss in an accident due to theft or another situation that would result in a loss.

It is essential for people in and around Sandy, UT always to have a full auto insurance plan. If you are ready to start looking for this coverage here, call our team with the Christensen Insurance Group. When you call our team at the Christensen Insurance Group, you can obtain all the support you need to build an ideal policy. 

Motorcycles are a special category of vehicle and therefore need a special type of insurance. At Christensen Insurance Group, serving Sandy UT, and the surrounding areas, we want to help motorcycle owners make smart insurance choices. Keep reading to learn more. 

Can I Use Regular Insurance for My Bike?

It is not recommended to put your bike on a regular auto policy. The reason is that there are some increased risks of accidents and injuries for motorcycles that do not exist for regular vehicles. A motorcycle policy will provide for this extra coverage to ensure that you have the resources available to help pay for expenses in the event that you are in an accident. 

Are Motorcycles More Dangerous Than Cars and Trucks? 

For insurance purposes, motorcycles are often categorized as a higher-risk type of vehicle. There is simply not as much protection for you as the driver. This means that if you were to get into an accident, there is a much greater chance of injuries. Bikers also have somewhat less control over their bikes than a driver in a vehicle would. This poses an additional threat of risk to other drivers as well. All of these factors combined make a motorcycle a slightly more dangerous type of vehicle to operate. 

Do Motorcycle Safety Classes Make A Difference?

Yes, it is always advisable to participate in a motorcycle safety class if you can. These types of classes will help you better understand how to keep yourself and other drivers safe on the road. 

If you would like to learn more about motorcycle insurance, please contact us at Christensen Insurance Group, serving Sandy, UT, and the surrounding areas. We will be happy to answer your questions and find the right insurance policy for you today.

Auto insurance in Sandy, UT is mandatory for all vehicles registered in the state. Utah regularly checks insurance records against vehicle registrations. There are severe ramifications of allowing auto insurance in Utah to lapse. They include possible fines, registration revoked, or harsher penalties if you are found driving as an uninsured motorist.

Reasons For Auto Insurance Cancellation

Auto insurance may be canceled by the insured or by the insurance agency. Common reasons why an insurance agency may cancel a policy include:

• non-payment of premiums
• excessive number of claims within a short period
• suspended or revoked driver’s license
• ability to drive safely diminished due to health crisis
• insured no longer eligible for coverage according to terms

If your auto insurance is canceled in Utah, and you wish to continue driving the vehicle, it’s essential to get coverage.

Can Auto Insurance be Reinstated After Cancellation?

Your auto insurance may be reinstated after cancellation, depending on why it was canceled. If the policy was canceled due to missed payments, Christensen Insurance Group, serving Sandy UT, may agree to reinstate the policy if you bring the past due amounts up to date.

Suppose the policy was canceled because you no longer qualify for auto insurance for legal or health reasons. In that case, you won’t be able to get your policy reinstated until those legal or health issues are resolved.

If the reason were for an excessive number of claims, you would likely need to switch to an auto insurance company for high-risk drivers.

If your auto insurance policy in Utah was canceled because you were dishonest on your application, you might have difficulties reinstating the insurance with the same agency.

Please contact Christensen Insurance Group, serving Sandy, UT for more information about auto insurance. We offer competitive auto insurance rates for a range of situations.

The state of Utah like most states has a mandated amount of liability insurance that is required in order to drive in the state. This is what basic auto insurance is, it doesn’t include any of the other optional coverage that has more to do with the driver’s car than with any other vehicle or person injured in an accident. At Christensen Insurance Group in Sandy, UT, we have almost 70 years of experience helping to provide the best possible customer service to our customers. We represent over 20 carriers which means we can provide you with more choices. 

In Utah, basic auto insurance is 25/65/15. $25,000 is for the first person injured in an accident where you are at fault, with the total for injuries for a particular accident of $65,000. The amount for property damage is $15,000. Given the cost of vehicles these days, that is woefully low. 

Basic auto insurance is just that, pretty basic. Taking into account what an emergency room visit can cost, you might find yourself on the receiving end of a lot of hospital bills not to mention legal action. If you have no assets that may not hurt you much but if you have assets and a good job you could stand to have your salary garnished and your assets in danger of being lost. Having a higher level of liability coverage is the best way to protect yourself. 

With basic coverage, your vehicle is not protected at all. If you count on your vehicle every day to get to work and run errands, you should probably consider having collision and comprehensive coverage to protect it. Full glass coverage is something that almost everyone needs at some point or another. 

For all your auto insurance needs contact Christensen Insurance Group in Sandy, UT. 

Utah Auto Insurance Requirements

Driving through Sandy, UT provides lovely vistas and reasonable traffic, so you get where you are going quickly and efficiently. The state of Utah requires each vehicle owner to carry auto insurance, and Christensen Insurance Group wants you to understand this and the minimum amount you must purchase. We also want you to understand your other policy options and why purchasing additional coverage is important.

In Utah, you must purchase liability coverage and personal injury protection (PIP). The liability coverage consists of bodily injury and property coverage.

The minimum insurance required by the state is bodily injury coverage per person for $25,000 and per accident in the amount of $65,000. For property damage per accident, you must carry $15,000. Your PIP to cover your own medical costs and those of any passengers provides $3,000 of medical payments coverage, which consists of per person coverage of $3,000 for medical expenses; a $3,000 death benefit paid to the deceased’s heir; per person burial cost payment of $1,500 for each person who dies as well as a payment of 85 percent of each individual’s lost income, if injured, with a maximum reward of $250 per week up to 52 weeks. A payment of up to $20 per day for services you or an injured passenger cannot perform due to accident injury.

Medical costs can far exceed this, so the insurance industry provides the option for you to increase this coverage up to $100,000. You need this because Utah is a no-fault state, so the other individual’s insurance may not pay. These state minimums vary vastly from the insurance industry’s recommendations, which are bodily injury coverage per person of $100,000 and per accident of $300,000 per accident, so you should consider increased coverage for those options as well.

You might want to add collision, comprehensive, and uninsured/underinsured motorist coverage. The latter protects you if the driver that strikes your vehicle has too little coverage or no insurance. It provides for property damage since the PIP coverage provides for your medical costs. Comprehensive protects your vehicle from hail, fire, flood, theft, wind, vandalism, and glass damage. Collision insurance pays for damages to your car caused by another object such as hitting a fence, mailbox, parked vehicle, tree, etc. It also covers your damages if a deer runs onto the road and into the path of your vehicle.

You should consider adding coverage beyond the minimum insurance, especially if you own a newer car. If your vehicle gets totaled in an accident, you will receive the appropriate amount to replace it. Weigh that against having to pay out of pocket for a new car or truck. Visit Christensen Insurance Group, serving the Sandy, UT area, to discuss auto insurance coverage and choose the best options for you.

Selecting an auto insurance policy is one of the most important steps in purchasing a vehicle and driving legally in Utah. If you’re a motorist in Sandy, UT looking for the right auto insurance policy, we can help you at Christensen Insurance Group.

The following are three steps you’ll want to go through before you purchase an auto insurance policy in Utah.

Familiarize yourself with auto insurance

Before you decide on a policy, you need to understand some key terms and concepts. You need to know the difference between liability and collision coverage, for example. You also need to understand how deductibles work on an insurance policy. 

Familiarize yourself with these auto insurance terms to get started. Then, you can better decide what you want in a policy.

Get quotes on policies available to you.

Insurance providers give out policy quotes on request. This means they provide a consumer with a cost estimate of how much it would cost them to purchase insurance through that particular provider. 

In order to find the best auto insurance option, you should get quotes from numerous providers. Then, you can understand what your options are before you make a decision. 

Select the best possible option for your needs

Once you have a few quotes, you can evaluate them. Make sure you don’t simply choose the least expensive quote. Instead, you should study the details of each policy and select the policy with the best value.

It’s essential that you realize how important your policy is going to be if you get in an accident. Carefully evaluate your options and buy from a provider you know you’ll be able to depend on if you’re in an accident. 

Are you ready to get started finding auto insurance in Sandy, UT? We can help with that! Contact us at Christensen Insurance Group to explore your auto insurance options more. 

Winter is right around the corner, and in some places, it’s already struck. If you haven’t already looked into supplemental auto insurance coverage for your vehicle, now’s the time to do so. You will want to know if any circumstances that apply more during the winter affect your car and risk level of accidents and other catastrophic events. A Christensen Insurance Group agent can provide you with information about what’s available in your situation in the Sandy, UT area.

No-Fault State Requirements

Since Utah is a no-fault state, it’s required that you have $3,000 for personal injury protection. Further, Utah law mandates insurance companies to offer $25,000 per person for bodily injury, $65,000 per accident for bodily injury, and $15,000 per accident for property.

Regardless of what’s required, it’s always recommended that you have additional coverage – known as supplemental insurance coverage. You can discuss your needs to include various circumstances right when you first get insurance, no matter the time of year. If you haven’t thought of getting extra coverage yet, it’s an ideal time for it.

Don’t Drop That Coverage

If you think it’s a good idea to lower your car insurance or get rid of it entirely in the winter, you would be wrong. It’s just as important to have insurance even when you don’t drive your car as often. For one thing, the roads are more dangerous, and accidents occur more frequently. You’ll want to make sure you have plenty of coverage in the event something happens that causes significant damage to your vehicle and injuries that lead to high medical bills.

No matter the type of vehicle you drive, you’ll do well to find out what supplemental insurance options are offered from a reputable company like Christensen Insurance Group. Serving the greater Sandy, UT region over the years, our company has many satisfied customers and beneficial offerings.