Discussion points for you and your insurance agent
Here’s some advice to think about before you have the need to make a claim.
Check Your Policy Liability Limits
In Utah, the minimum requirement for property damage liability insurance is $15,000. That means if you are at fault in an accident your insurance company will only pay up to $15,000 to fix the other vehicle(s), and any other damage you may have caused. You could be personally responsible for anything over that amount. If you do not want to be at risk, talk to your agent about higher limits. It will not add much to your premiums, and helps you sleep better.
Verify That You Have Rental Car Coverage On Your Policy
Most drivers think ‘full coverage’ includes rental car coverage. The time to find out is before you need it, and it sure makes things easier if you are in an accident. Rental car coverage costs typically add less than $20 in premiums every 6 months, and saves you from bumming rides or waiting at bus stops to get to work, school, or the slopes.
Original Equipment Manufacturer (OEM) vs Aftermarket Parts
Most insurance companies will recommend the least expensive parts for repairs. That means repairing your vehicle using aftermarket parts made in China or Taiwan or used parts form a wrecking yard. If it is important to you to have new, genuine parts on your beloved car or truck, then talk to your agent about getting a policy that specifies whether OEM or aftermarket parts will be used for your repair.
Note: A good insurance agent is worth their weight in gold. It is great to have someone to discuss a potential claim with before deciding whether it makes sense to actually file a claim.
Utah Insurance Department