FAQs

At Bear River Mutual, deductibles only apply to comprehensive and collision coverage in our automobile insurance policies. These coverages protect you financially in specific situations, and here’s a simple way to understand them: In both cases, the deductible is the amount that you, as the insured, would need to pay if you experience a covered […]

Selecting the right deductible amount is a personal decision that depends on your financial approach. Even if two individuals have similar circumstances, they may have different preferences when it comes to deductible options. Your agent is available to help you understand the advantages and disadvantages of various deductible amounts. In general, opting for a higher

Your auto insurance policy typically extends coverage to you, your spouse/partner, relatives residing in your household, and other licensed drivers who have your permission to drive your insured vehicle. However, the specific details outlined in your contract with us and the underlying policy conditions dictate the exact coverage and exclusions. If you have any uncertainties

If you have an older car that is fully paid for and you are not concerned about minor cosmetic damage, nearing the end of its lifespan, or has a low market value, you may consider not purchasing comprehensive coverage as a way to reduce your insurance premiums. However, it is important to keep in mind

When it comes to choosing the right insurance coverage for your car, there are several factors to consider. These factors include the type of vehicle you drive, the number of people you expect to have in your vehicle, and your financial situation. It is important to regularly review and adjust your coverage as your circumstances

Liability coverage is an essential part of your insurance policy that protects you in case of injury or damage to others. Here is an overview of the different types of liability coverage: It is important to note that the coverage limit sets a maximum amount that can be paid, but it does not guarantee full

In Utah, it is a legal requirement to maintain no-fault (or liability) insurance on all passenger cars and trucks for the entire registration period. The Utah State Legislature has established minimum liability limits that insurance companies operating in the state must adhere to for motor vehicle insurance policies. As a responsible driver and vehicle owner

When we talk about lower cost or lower premium, we are referring to the amount we need to pay for coverage. If you want to reduce this amount without making changes to your coverage, such as limits, vehicles, or deductibles, the best way is to earn a larger claim-free discount. At Bear River Mutual, we

Finding your proof of insurance card, also known as your insurance identification card, is quick and easy. Simply log into our Customer Site, and you will have access to your insurance card in a printable format. Once you have printed the card, you can keep it in your vehicle for convenient access whenever needed. If

Coverage for windshield damage is provided if the vehicle with the damage has comprehensive coverage. If your vehicle has comprehensive coverage, you may be eligible for coverage for repairable windshields at no additional cost. However, windshields that require replacement are subject to the comprehensive deductible specified on your policy for the specific vehicle. The amount