Author: Creed Anderson

What to Do If You Hit an Animal on the Road

Heading out on the road this winter season? It’s likely you’re going to see a lot of beautiful sights and experience a lot that the great outdoors has to offer. One of these offerings is the plentiful wildlife that exists in the mountains and forests that line the highways of your drive. And they may just pose a risk to you on the Utah roads if you are to collide with one of them. What to Do if You’ve Hit an Animal There are times when a collision with wildlife is impossible to keep from happening. Do your best to keep yourself and your passengers safe by avoiding swerving into oncoming traffic. Here’s what to do if you experience a wildlife collision: Find a safe location to pull over and turn on your hazard lights If anyone is injured, call 911 right away Calm down and do your best to assess the situation Avoid touching an animal that is inured as it could be very scared and unpredictable Make a call to the local police department if the animal is blocking traffic Call a tow truck company if your car is unsafe to drive. This could mean leaking fluid, broken lights or issues that make the car dangerous to drive. How to Avoid a Wildlife Collision It’s of course always best to try and avoid a wildlife collision in...

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What Happens if You Lie to Your Car Insurance Company

Withholding information from your car insurance company isn’t exactly lying… or is it? The truth is, giving your car insurance company incorrect information, or failing to inform them of certain information could have a lot of consequences. In fact, it’s insurance fraud. What happens if you lie to your insurance company? Here are some of those consequences you will want to do everything you can to avoid. Claim Denial Your claim could be denied if it’s found out you were using your vehicle when you should not have been. For example, if you tell your insurance company you don’t use your vehicle to commute every day when you really do. If you are to get in an accident while on your commute then this could result in a claim denial. Insurance Policy Cancellation A policy cancellation could take place if you commit this type of fraud. This would make it much more difficult to get a policy elsewhere and could result in higher policy costs. Criminal Penalties One of the worst consequences of failing to be honest with your car insurance company is criminal penalties such as jail or fines. This is because dishonesty with your insurance company is a form of insurance fraud. Fines Failing to tell your insurance company vital information could also result in your having to pay hefty fines to them. For example, if you...

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How to Save on Teen Car Insurance

As a parent, you’re probably excited to see your teenager driving for the first time on their own and practicing their independence. You’re probably also concerned about the added expenses of adding a teenager to your insurance policy. Not to mention car payments and hefty gas bills! There are several factors that go into determining your car insurance rate but doing these three key things can help you to save on adding a teen onto your policy. Look into Student Discounts If your teenager is receiving good grades with a minimum of a B average, then you could receive a discount on your car insurance policy. Gather proof of their good grades and contact your insurance agent to discuss your discount options. Proof could be a report card or a form signed by the school verifying the grades. It’s also useful to know there are often student discounts available for homeschooled teens and for drivers in college up to the age of 24. Buy Used, Not New It’s more than likely that your teenager will be eager to get a new car once they start driving, but it isn’t always the best choice. Teens cost more to insure because they are inexperienced drivers, so a car with a higher cost is going to cost more to repair. Older cars are better for teens that are just starting out driving...

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Deciding Between Repairs & Write-Offs After a Car Accident

Even if it’s just a fender bender, getting into a car accident is an incredibly stressful and upsetting situation! Best case scenario, the damage is minimal and no one was hurt. But if your vehicle has extensive damage, it will either require costly repairs or it will be written off entirely. So, what determines whether your car will be written off or if it can be repaired? We’ll cover that question, along with other important considerations on the topic in this post! Repairing your vehicle after an accident Each state has different laws about repairing a vehicle versus deeming it a total loss after an accident. In Utah, regulations follow the Total Loss Formula. This includes adding the cost of repairs plus the scrap value of your vehicle. If the total is higher than the car’s value prior to the accident, the car is declared a total loss. If it’s less, your vehicle could be repaired and back on the road. But will insurance cover these repairs? If you were at fault for the accident and you have collision coverage, the cost of repairs will likely be covered by your policy, minus your deductible. But if the damage came from something other than a collision (i.e., vandalism, theft, falling objects) your best chance for having repairs covered is if you have comprehensive insurance. Replacing and writing off your car...

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Accident Photos and Why You Need Them

There’s nothing quite as frustrating or scary as getting in an accident. The evidence retrieved from an accident however, can make all the difference to how bad or good the situation becomes. Taking photos after getting into an accident can help you if you are the victim in the accident, as you are much less likely to become the liability party. Photos can provide as proper evidence for eliminating doubt and depicting the accident exactly as it occurred. Your Photos are Important If you were to get in an accident and experience something like a hit to your bumper, you would probably assume that you will be viewed as the victim in the scenario. While your assumption would be correct, it’s possible that filing a claim with the other party’s insurance carrier could result in only a partial payment of the damages without proper evidence. It’s always possible that a claim could be made where there is not enough proof provided for a full payment. The thing is that this type of scenario is a lot more common than you might think and is exactly why it’s so important to take detailed photos after an accident. What Should I Take Photos of? Photos can make all the difference in the outcome of a claim, even if the accident is minor. Be sure to take photos of the point of...

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