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Most people have an auto policy. Fewer feel confident about what it actually covers—or what to do when a claim happens. Here’s a simple guide to the core coverages and how to choose the right mix for your situation.
Liability Coverage: Pays for injuries and property damage you cause to others in a covered accident. Liability is required by law in Utah. Choosing higher limits protects your income and assets.
Collision Coverage: Pays to repair or replace your vehicle if it’s damaged in a crash—whether you hit another car, a wall, or a guardrail.
Comprehensive Coverage: Pays for non-collision losses: theft, fire, vandalism, falling objects, hail, broken glass, or hitting an animal (like a deer).
Personal Injury Protection (no-fault benefits): In Utah, personal injury protection helps with medical expenses for you and your passengers after a covered accident, regardless of fault.
Medical Payments Coverage: An optional add-on that can further help with medical costs for you and your passengers, depending on the carrier.
Uninsured/Underinsured Motorist: If the at-fault driver has little or no insurance, this can help cover injuries to you and your passengers. In our view, it’s one of the most important protections on the policy.
Roadside assistance for tows, jump-starts, and lockouts.
Rental car (loss of use) so you stay mobile while your car is in the shop.
Glass coverage for chip repair and windshield replacement.
Gap coverage to cover the difference between a loan/lease balance and the car’s value after a total loss.
New car replacement / original manufacturer parts endorsements where available.
Rideshare coverage if you drive for companies like Uber or Lyft.
Custom equipment for aftermarket wheels, audio, or accessories.
Utah roads and weather create unique risks—Wasatch Fault earthquakes, canyon winds and wildfire risk, spring runoff, and snow load and ice dams that can lead to falling branches or garage damage. We build those realities into your plan.
Check safety first. Move to a safe spot if you can; call 911 for injuries.
Document. Photos of vehicles, plates, the scene, and insurance cards.
Exchange information. Names, phone numbers, driver’s licenses, insurance details.
Call us first. We’ll talk through next steps and help you file correctly.
Get repairs moving. We can coordinate with preferred local shops and the adjuster.
Independent and unbiased. We work with more than 50 top-rated carriers, so we build around you, not a carrier quota.
We play offense. We re-shop every renewal, tighten gaps, and adjust limits as life changes—so protection is ready before it’s needed.
Claims advocacy. Call us first. We coordinate with adjusters and trusted Utah contractors to keep your claim moving.
Service that respects your time. Fast quotes, same-day ID cards, electronic signatures, and clear side-by-side options.
Next step: Call us for a coverage review. You’ll leave with the right limits, the right endorsements, and a competitive premium from a top-rated carrier.