3 Things to Do After You’re in a Car Accident in Salt Lake City, UT

In 2020, there were more than 52,000 car accidents in Utah, according to Utah Highway Safety Office. If you are a driver who gets in a car accident in Utah, there are some specific steps you will need to take after the crash to protect yourself. 

1. Call the police. If you, the other driver, a passenger, or a pedestrian have experienced injuries as a result of the car accident you will need to call the police for help. The priority should be seeking any necessary medical help. 

Even if you are not injured, however, you should contact the police. That’s because you may need a police report to file an insurance claim. This report will record the details of the accident, including who was at fault (unless further investigation is necessary). Once you have a copy of this report, you should begin keeping a file for all accident-related documents, including names and phone numbers of any contacts related to the accident, receipts results from crash expenses (such as a rental car), and any photos you’ve taken of the crash. 

2. Collect information. To settle a car accident claim, there is some essential information you will need from the other driver. Make sure you get the names and contact info for the other driver and any passengers that may have been in the car. You should also get a description of the vehicle, including the make, model, and year, as well as their insurance company and policy number. Finally, be sure you have noted the location of the accident and the badge number and name of the responding police officer.  

3. File a claim. After you have received the necessary medical attention and filed a police report, the next step will be contacting your insurance agent. 

 A car accident can leave any driver frazzled. When you know what to do, you’ll be able to react with your best interests in mind should an accident happen to you. 

Do You Need Auto Insurance?

If you need auto insurance, the team at M8 Insurance in Salt Lake City, UT can put together a comprehensive plan that will meet your specific needs. Call or visit our office to learn more.  

Update Your Auto Insurance Policy for the Right Coverage

Having auto insurance coverage is very important, but it’s not something you should just get and then forget about. It’s something you’ll want to update when there are changes to your vehicle or the drivers in your household. Even if nothing changes, though, it’s a good idea to review your vehicle’s insurance periodically so you don’t end up with a coverage that’s not adequate or not needed. Your agent can help you make sure the policy you have fits your needs and situation. If you’re in the Salt Lake City, UT area, M8 Insurance can help you choose the right policy and make updates to it anytime you need to. That way you’ll always have the right coverage and the peace of mind that comes with it.

When you update an insurance policy for your vehicle, your agent can ask questions that will guide you to the right type and level of coverage. Your situation might have changed since the last time your policy renewed, or there may be other companies or options that would be a better fit for your needs. If that’s the case, you’ll want to explore those and select the right one. Not only will you feel better about your coverage, but you’ll also know that you have proper protection. Then you can enjoy your vehicle more, whether you’re commuting to work or taking a weekend trip.

It’s always good to have the safety that comes with proper vehicle insurance. Ready to update your auto insurance policy, or review it to see if updates are needed? If you’re in the Salt Lake City, UT area, we can help you at M8 Insurance. Reach out to us today, and we’ll answer your questions and ask some of our own, so we can get you a policy that’s right for your situation, needs, and vehicle.

Is Collision Insurance Necessary If You Are Financing Your Vehicle?

The world of auto insurance can be complex and may require you to do some research and seek the assistance of an insurance professional to get the right type of coverage for your needs. Most people have many questions when it comes to understating coverage options and needs. If you are financing your vehicle, you may wonder if you need collision or just comprehensive insurance?

Collision Insurance Coverage

Collision insurance will either repair or replace your vehicle if you hit another car or object. This type of insurance is required by finance companies is you are making payments on your car. Collisions and comprehensive coverage are two different products that can be combined to create a solid blanket of auto insurance coverage. If you are unsure how much collision insurance you need, you can consult with your insurance agent and they will help you determine a number that is able to completely cover your vehicle. 

Protection You Can Count On

Always work with an establish and respected insurance agency with knowledgeable agents who can guide you through the process of securing the right type and amount of collision coverage. If you live in the Salt Lake City, UT area, you should consult with M8 Insurance to discover options that fit your needs and satisfy your obligation to your finance company. Having adequate protection is mandatory, but selecting quality coverage is up to the policyholder. Don’t be left with unnecessary financial obligations after an accident.

Get the peace of mind you need to know that you are covered in the event of a collision. Let the experts at M8 Insurance, serving Salt Lake City, UT residents, help you learn about their quality collision products and the terms and conditions of it are covered. Call or stop by today to speak with a representative to get answers to your questions or shop for a policy. 

Covering an unconventional auto

A problem faced by many Salt Lake City, UT drivers: Your car is a little… unconventional.

If you drive a custom car or you’ve built yourself a food truck or something similar, how do you get that covered under an insurance policy with M8 Insurance? You can’t just write down the make and model on your application, right?

Luckily, the process might be easier than you think it is. If you drive an exotic car, a rare sports car, or something of the sort, then you can just call M8 Insurance and see if they can connect you with an appropriate policy in order to get covered.

If what you drive is a little weirder, on the other hand, the process still might be simpler than you’d suspect. Let’s say you’ve built yourself a small trailer that you’re going to launch a food truck business from. What you’ll need to do is get it to the DMV to have it registered and tagged like any other trailer, and then talk to your insurance provider once you’ve got that sorted.

With custom-built vehicles, you have to take it down to the DMV, you can’t just go in and buy your plate. They need to get a look at it, make sure it is road safe, and suitable for street legal use. Your insurer might ask to get a first-hand look at it too, which might limit your options as you’ll need to find someone within driving distance, and you might need to tow your custom vehicle there since you can’t drive it without coverage. But as long as your unconventional auto is road safe, the process isn’t so hard.

Contact M8 Insurance in Salt Lake City, UT to speak with an agent and get a quote.

Auto Insurance for Your Teenage Driver

Learning to drive is the ultimate teenage goal. When a young driver gets their learner’s permit or license, they are eager to explore the limits of their new skill.

According to the CDC, drivers between the ages of 15 and 19 accounted for 11% of all vehicle accidents in 2013. These numbers can make buying car insurance for your new driver pricey. However, insuring your teen is a requirement in most situations. Use these tips to keep your child safe on the road with less impact on your monthly payments.

Buy Smart

  • If you’re buying a car for your teen, choose a model that is at least 4 years old. Less expensive cars usually cost less to insure.
  • Load up on safety features. Stability control, anti-lock brakes, air bags, and back up mirrors are some of the features that can positively impact your payments.
  • It may be cheaper for your teen to have their own policy. An M8 Insurance agent in Salt Lake City, UT can help you decide if this the right choice for your family.

Education is Key

  • Driver’s education and safety classes teach tactics that reduce risky behavior behind the wheel. Successfully completing a driver’s course can earn you an auto insurance discount.
  • Need another reason to encourage good study habits? High academic performance shows a sense of responsibility that can cut your payments.
  • Have your teen sign a safe driving contract. Insist on seat belts, no cell phones, and a limit on passengers. Establish consequences for violations. These small infractions can have a big impact on insurance rates if they’re caught in the act.

You may have other options available to provide security to all the drivers in your household. Contact the experts at M8 Insurance in Salt Lake City, UT to learn more ways to protect your family while on the road.