4 weeks ago

7 Things to Do if You're Involved in an Auto Collision

None of us want it to happen, but the reality is, the more we drive, the greater the chance of us being involved in an accident. It doesn't have to be your fault, you may have an impeccable record, but auto accidents do and can happen, so it's good to know what to do when one occurs. Following is a list of important steps to take when an accident occurs. It is vital to maintain proper communication with your insurance provider. 

 

  1. Call your agent. If you have an accident in Salt Lake City, your auto insurance agent can be your biggest ally. Call them as soon as possible after the accident, and give them as detailed a description of the incident as you can.
  2. Review your coverage. Before you meet with your insurance agent, review your policy so that you understand what coverage you have. Take note of any terms or conditions that you don't understand so that your agent can explain them.
  3. Take detailed notes. The insurance company may record your conversations with them, and if you don't have the ability to do so, take detailed noted of your conversations, especially the name of the agent and what he or she tells you.
  4. Check your other policies. You may have other types of insurance policies such as liability or “umbrella” policies that may cover some of the damages or personal injuries you incur.
  5. Take Pictures. It's important to take pictures of both the damages to your and the other party's vehicles as well as any physical injuries that you or your passengers incur. This will also be helpful later when getting the necessary repairs done to your automobile.
  6. Be honest.  Remember, your insurance agent is your best ally in these circumstances. Even if it is your fault and the cause of the accident might be embarrassing, it is critical that you be totally honest. Not doing so may not only void your claim, but could cause you legal trouble as well.
  7. Keep receipts. Always keep any receipts of expenses you may incur after the accident. This will include medical bills, repairs to your or the other driver's vehicle, even some things like food and lodging may be covered by your policy.

 

Having the right auto insurance in Salt Lake City can drastically reduce the amount that you're out of pocket when an accident occurs. It is imperative to have liability coverage, but a car insurance policy can be bundled with other types of coverage such as Personal Injury Protection, Collision, Comprehensive, and Uninsured/Under-insured Motorist protection. Any of our agents at ASA will be happy to discuss a personalized plan for you that not only meets your needs, but meets your budget also!

 

ASA Insurance provides excellent coverage for car and home insurance in the Salt Lake City area with the lowest rates to the English and Spanish communities. Affordable rates and superior service for all home, auto and business/commercial insurance needs.

1 month ago

How Much Auto Insurance Do You Need?

If you're considering purchasing auto insurance in Salt Lake city, you might first want to decide exactly how much you need. A basic policy contains several types of coverage, actually smaller policies for different instances. Here's a quick breakdown of what the average auto insurance policy contains.

 

Liability Insurance

 

The liability coverage contained in your policy cover you when you're at fault in an accident. Payments will be made to the occupants of the other vehicle, but the passengers in your car won't be covered. Liability coverage is mandatory by law and you must have a minimum amount of coverage.

 

Bodily Injury Liability

 

If someone needs medical attention after an accident that you have caused, this coverage will pay for their medical expenses. There are generally limits that a policy will pay out. A basic policy may pay up to $20,000 for the expenses of a single person and up to $50,000 total for all of those injured.

 

Property Damage Liability

 

If you're at fault in an accident this coverage will pay for damages to the other car or cars involved. There is also normally a limit on this coverage, generally up to $10,000.

 

Personal Injury Protection

 

Personal Injury Protection (PIP) covers the medical expenses of you and your passengers if you are injured in an accident. Coverage may be extended to cover lost wages if you are not able to work for a time.

 

Uninsured/Under-insured Motorist Coverage

 

This type of insurance covers you if you are hit by someone who does not have car insurance or has only the minimum amount.

 

Collision

 

Covers the cost of repairs for any damages caused to your car.

 

Although only the minimum amount of auto insurance in Salt Lake City is required by law, it is recommended that you have enough to cover the costs of damages and medical expenses of yourself and others if you are at fault. Even if the other party is at fault, they may have only minimal coverage, or in the worst case, none at all. You don't want to have to pay tens of thousands of dollars out of pocket unnecessarily. A good rule of thumb is to have an amount of insurance coverage equal to the value of your personal assets. Another good tip is to choose the highest affordable deductible that you can, as this will lower your premium or monthly payments.

 

ASA Insurance provides excellent coverage for car and home insurance in the Salt Lake City area with the lowest rates to the English and Spanish communities. Affordable rates and superior service for all home, auto and business/commercial insurance needs.

2 months ago

When Liability Coverage Only Makes Sense

You get a copy of your car insurance policy in the mail and you can’t believe the cost. For one six-month period, you may be paying several hundreds of dollars. While the coverage is required by law, the cost can hit your budget hard. To reduce the cost of premiums, you may think about dropping the most expensive portion of your policy – the comprehensive/collision coverage.

 

Things to Consider When Dropping Full Coverage

 

Also known as full coverage car insurance, comprehensive/collision insurance is usually an important part of your policy. Before you decide to drop it, realize that you will have no help in paying for repairs if the vehicle is damaged. It will be all out-of-pocket expenses.

 

Your lender may require full coverage if you have a loan on your vehicle. If you drop the coverage, they may terminate your loan or buy coverage for you and add it to your monthly payments. This protects their investment if your vehicle should be damaged.

 

If you own an expensive model or a classic, repairs may be more costly than what you can afford. Insurance coverage will pay for those repairs minus a deductible. It’s often a lot easier to budget in a $500 or even a $1000 deductible than to pay for a new vehicle or to repair your damaged one.

 

Other Options

 

Rather than cancelling your full coverage, you could raise your deductible so that your rates go down. This can save you enough money to ease the financial burden that often comes with having car insurance.

 

You can also shop around and try to find a provider for both your car and home insurance, which will often help you save money. There are several discounts that will help you reduce your monthly premiums and make the policy more affordable.

 

When Liability Is Best

 

There may be times when having liability only coverage does make sense. For instance, if you have an older vehicle that has very little value, it may not make sense to have full coverage. Chances are pretty good that it will be totaled out if you are involved in an accident, and you will have to replace it. In this case, liability coverage may be all you need. Just don’t forget to save money for another vehicle in case

you are in an accident.

 

Another time when you may only want liability is if you aren’t driving your vehicle. An example is when someone goes to college or works overseas for a period of time. They often think of cancelling their policy, but it may be more expensive when they go to get a new policy later on. Many providers charge more if you haven’t had coverage in the last six months even if you don’t have a car.

 

Instead of cancelling your policy when you won’t be driving for a while, get the lowest amount of coverage you can until you need more later. This can be a great way to save money and keep you insured.

 

ASA Insurance provides excellent coverage for car and home insurance in the Salt Lake City area with the lowest rates to the English and Spanish communities. Affordable rates and superior service for all home, auto and business/commercial insurance needs.

 

2 months ago

What You Should Know about Water Damage in a House

A pipe bursts and you come home to water all over the bathroom and surrounding rooms. Or maybe the ceiling starts leaking in a room you seldom use. A month goes by before you walk in and smell the distinct odor of mold and mildew in the room.

 

Water damage can wreak havoc in a home, and it doesn’t take long for damage to occur. If you notice standing water or the tell-tale stains from previous water damage, you need to take action immediately.

 

Contact Your Homeowner’s Insurance

 

First, contact your homeowner’s insurance provider. You may be covered for water damage in certain instances. If your policy does cover the damage, you’ll want to follow the steps as directed by the claims adjuster.

 

Some policies come with add-ons for flood insurance or hurricane insurance if you live in areas prone to these problems. If you haven’t had a problem yet, you may want to find out what coverage you do have.

Don’t assume that all water damage is the same. For instance, your policy may cover you for storm damage but not for a burst pipe. You’ll also need to deal with the damage right away or all the costs may not be covered.

 

Clean Up Quickly

 

If the water damage is recent, your first concern will be to dry out the area and everything in it. Items that don’t dry will be more likely to mold. Cloth items can be washed and plastic or metal will dry once it gets away from the damp area. Wood is probably the most serious issue because water seeps into the wood and warps it.

 

Once you have the room emptied of everything, you’ll want to get a wet/dry vacuum to remove the water. It can take up standing water or remove it from carpets. Turn on fans to help dry it up as soon as you can.

 

Make Repairs

 

Your next step is to repair whatever caused the leak in the first place. Otherwise, you will continue to battle the issue. You’ll also need to repair floors or walls that have been damaged from the water. You may need to replace the drywall or floor boards. If the water problem has been allowed to continue for a long time, you may even have structural damage.

 

Unless you have a background in carpentry or construction, you’ll probably not be able to make these repairs yourself. You will want to hire a professional who has a good reputation. You may even need to hire a water extraction company to remove the water from the home.

 

Buying a Home with Water Damage

 

If you’re buying a house, you’ll want to be aware of any potential problems that could cause water issues. You’ll also need to check for any previous damage that may include hidden problems.

Water damage is a serious problem. If you’ve had a leak anywhere in the house, address the issue right away and get it taken care of as soon as possible.

 

ASA Insurance provides excellent coverage for car and home insurance in the Salt Lake City area with the lowest rates to the English and Spanish communities. Affordable rates and superior service for all home, auto and business/commercial insurance needs.

5 months ago

Prepare Your Home for Summer

As winter gives way to spring, homeowners begin to think about warm weather and all of the things they would like to do. Caring for the home should be part of that list because there are certain tasks that need to be taken care of for summer. Some of these tasks will help reduce the cost of homeowners insurance while others just keep your home looking good.

 

Inspect the Roof

 

One of the first things to do is to inspect your roof. Make sure the weight of snow and ice hasn’t caused any damage. Look for broken, missing or bent shingles. Replace these shingles so your roof doesn’t start leaking. Check around the eaves, windows and other areas to make sure the area is tight and there are no leaks. You’ll also want to look in the attic for dampness or other signs of leaks.

 

Clean Out Gutters

 

Make sure your gutters are clean from any tree limbs, leaves or other debris that may have accumulated over winter. Check that the runoff is far away from the foundation so that the walls of your home don’t start leaking.

 

Have AC Maintained

 

Contact an HVAC professional to inspect your air conditioning system. You want to make sure it is in working order before the temperatures begin to warm up. Have the filter replaced and all parts cleaned. A professional will check for Freon leaks to ensure everything is ready for the summer heat.

 

You’ll also want to make sure your attic fan works if you have one and that windows open and close with no problems for those days when you want fresh air but don’t need the AC yet. Repair or replace window screens and patio screen doors to keep bugs out.

 

Check the Landscaping

 

Now is the time to plan for your summer landscaping. If you hire a lawn care service for lawn treatments, you may want to book early. Otherwise, you may want to start cleaning up your lawn and cleaning out flower beds for spring planting.

 

Restain the Deck

 

If your deck needs care, late spring is the time to do it. Have it stained to protect it from summer rains. You’ll need to plan a time when it isn’t supposed to rain for a day or two so the stain has time to dry.

 

Power-wash Your House

 

Power-washing a home’s exterior not only makes it look nicer, it keeps it in better shape. Dirt and debris can get in between cracks and cause your vinyl, wood or other exterior covering to break and wear down. By keeping your exterior looking good, you can see any issues that need to be repaired.

 

Taking care of your home is a year-round job. Certain tasks need to be done in the spring to ensure your home is ready for the lazy, warm days of summer. Schedule these tasks on your calendar, and you’ll be ready to relax and enjoy your home with your friends and family.

 

ASA Insurance provides excellent coverage for  car and home insurance in the Salt Lake City area with the lowest rates to the English and Spanish communities. Affordable rates and superior service for all home, auto and business/commercial insurance needs.

6 months ago

How to Cash in on Great Deals for a New Car

End of the year is a great time to buy a new car. Dealerships are looking to reduce inventory and maximize their annual sales numbers, so they are willing to offer fabulous incentives. If you’re looking to buy yourself a set of wheels for your Christmas present, here’s how to do it right.

 

Know What You Want

 

The first step is to have a good idea about what you want. You should even talk to your car insurance provider to find out which models will give you the best rates. Most people only think about their car insurance policy after they have made the purchase, but you don’t want to be hit with unexpected rate increases.

 

Know what type of vehicle you want, such as SUV, sports car, sedan or truck. From there, you can narrow it down. At the same time, you want to be flexible to take advantage of the best deals available.

 

Consider the Previous Model Year

 

With the latest models coming in now, dealers will be ready to offer deep discounts to move last year’s model. There’s nothing wrong with it, and it’s still a brand new car. However, it isn’t the “latest” and that will deter some people. Don’t be one of those people and you can walk away with thousands of

dollars in savings.

 

Have Financing in Place

 

Whether you are paying cash or getting a loan, have the finance part of the deal taken care of. Know what you can afford, and you’ll have more room to negotiate. Otherwise, sales staff often find the car you want and then work to make the financing happen. You may feel at a disadvantage and take whatever terms are offered.

 

Avoid Showing Your Emotions

 

This is good advice any time you want to buy a new vehicle. Don’t let the sales personnel see how excited you are over a car, or they’ll figure you will buy it regardless of the price. Show interest, but not like you’re already sold on the car. It’s even a good idea to tell them you want to think about it or talk to your car insurance company before making a decision. Don’t be surprised to get a phone call offering an even better deal.

 

Let the Dealer Make an Offer

 

When the sales person asks how much you want to spend, tell them it depends on the car. Never quote your top price. Otherwise, they will find a car to fit that budget even if they would have sold it for less. When you let the sales person show the price, you’ll know where you have to negotiate or if it’s worth your time. Just realize you’ll have more room for negotiation if you’re interested in last year’s model rather than the brand new inventory.

 

You can have a brand new car for your own Christmas present, but you have to know how to shop wisely and get the best deal. Never be in a hurry, and always know what you’re willing to pay before you walk in.

 

ASA Insurance provides excellent coverage for car and home insurance in the Salt Lake City area with the lowest rates to the English and Spanish communities. Affordable rates and superior service for all home, auto and business/commercial insurance needs.

6 months ago

Can You Get Car Insurance after a DUI?

Even smart people make stupid mistakes, like driving after having one too many drinks. A few hours later, and you have a DUI/DWI charge to deal with. If you know you’re guilty, you may plan to plead guilty and pay the fine. But your concern is what will happen with your car insurance policy. Here are a few answers to questions about car insurance and DUI offenses.

 

If you live in Utah and get a DUI, it will stay on your record for ten years. Now, this doesn’t mean it will be included as a factor in your car insurance rates or even that it will impact your driving record. But it is considered when it comes to determining how many offenses you’ve had. Even if you had a DUI nine years ago and you get another one now, it will be penalized as your second offense.

 

Penalties for DUI

 

In Utah, the penalty for your first DUI is at least a $700 find, a 120-day license suspension and a minimum of 48 hours in jail. For a second offense, it increases and a third offense or more can impact you even more. You’ll also have to get an ignition interlock device installed on your vehicle to get your license back before the suspension is up.

 

Utah is harsh on DUI charges, but your car insurance can be even tougher. The company can drop you because of an offense or at least raise the rates.

 

How to Get Car Insurance after a DUI

 

You’ll want to find out if you are still covered by your current provider. You’ll also want to find out if you can get a discount by taking a saf