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What Happens If You’re in A Car Accident Without Insurance?

Driving without Insurance in Utah

Insurance Coverage Isn’t Just Smart - It’s Mandatory  No one anticipates a car accident. It can be the most frightening and stressful time in your entire life, and without the proper insurance coverage, you’ll be adrift in a sea of legal woes as well. If you get behind the wheel without insurance, you’re in for a swarm of trouble here in the Beehive State. You could face fines, lose your license, or even end up behind bars.  Liability insurance is legally required in 44 of the 50 states. (Arizona, Massachusetts, Mississippi, New Hampshire, Texas, and Virginia have some exceptions to the
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5 Things To Do After A Car Accident

  Even the most cautious and attentive drivers can find themselves in a car accident situation. In Utah alone, there were over 62,000 car accidents in 2016. That is why it is better to be prepared and know what to do ahead of time if the unfortunate should occur. So what do you do after a car accident?

1. Check for Injuries

The first thing to be done after a collision of any kind is to check for injuries. If it is a minor car accident and you are able to check yourself over first. Are you bleeding? Can you move your limbs without pain? Are you having trouble breathing? Once you’ve established your injury level check on any passengers that are in the vehicle with you. If you are able to exit the v
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Safe Driving Checklist for Teens

With so much for new drivers to concentrate on, wouldn’t it be nice to have a safe driving checklist for teens? I mean, how exciting is it now that your teen can drive? No more mom taxi anymore! Oh, wait, but it can also be terrifying to think of your new teenage driver out on the roads, too. Thousands of ‘what ifs’ flood your mind... You might immediately think of your teen’s safety and of other people involved. Shortly thereafter, your next thoughts could be of potential vehicle damage or auto insurance coverage. To help you out, we’ve compiled a Safe Driving Checklist for Teens so you’ll have something to reference in this potentially exciting, yet stressful
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Compare Car Insurance Policies

With so many different insurance companies out there, it can be difficult and overwhelming to decide which one is right for you. It doesn't have to be complicated, though. We'll help you compare car insurance policies. An independent agent like Keystone Insurance has already done the hard work establishing relationships with the most sought after companies such as Bear River Mutual Insurance which means that we can do all the work FOR you. We'll make finding the right insurance company and coverage smooth and simple. There are a couple of important things for you to consider when
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Acts of God Utah Insurance Coverage

Am I Covered For Acts of God In My Insurance Policy?

We’ve all seen the comedy sketches where something really bad happens to someone like a giant tree falling through the roof during a storm, destroying their home, only for the insurance agent to say, “Sorry, your policy excludes coverage for ‘acts of God…’” This scenario could happen to any of us in reality, but that’s exactly what insurance should cover! Let’s examine what’s really going on regarding the ambiguities of these so-called ‘acts of God’ circumstances. We'll dispel some of the myths surrounding Acts of God exclusions and get you informed.

What Are Acts of God?

First, let’s define which events coul
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Never Do This to your Motorcycle

Do you consider yourself to be a garage tinkerer? Many motorcycle owners enjoy doing basic mechanic work themselves, but these actions can create more problems than they solve if you’re not trained properly. Below are some of the most common mistakes that motorcycle owners make and how you can avoid falling into the same trap. test
  1.  Make permanent modifications: If you really want those chrome accessories, make sure that they’re removable and that you’ve kept the original parts in a safe place. When you decide to sell, you’re likely to get a higher offer on a bike with factory parts and paint. And you can always sell your extra removable parts separately as well.
  2. Skip washes: The delicate inner workings of motorcycles are ex
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Do You Need Boat Insurance?

Does your home insurance extend to cover your new boat as well? In most cases, it is best to have a stand-alone boat insurance policy. Here are some considerations for you to discuss with your independent agent.

Check the Size and Horsepower

A homeowner's insurance policy typically limits the size and horsepower of a boat, so you need to verify that the boat you own would actually be covered under your homeowner's policy. Depending on the size and speed of your boat, you may not be able to add your boat to your homeowner's policy; in these cases, your boat will require a stand-alone policy instead.

No Coverage for Items on Board

If you decide to use your homeowner's policy instead of a stand-alone boat policy, know that the items you have on board will likely not be c
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4 Reasons Why You Need Renters Insurance

If you rent an apartment, condo or house, you want to make sure your belongings are insured. Should there be a fire, vandalism or other unexpected incident, it's important that you have a way to replace the items that you've worked so hard to obtain. Many people choose to skip renters insurance, but here are a few reasons why you should purchase it:
  1. It's very inexpensive. The amount you pay will seem minor compared to what you would need to re-invest if you lost all your personal belongings.
  2. Your things are not covered under your landlord's policy. Yes, the landlord probably has a policy that covers the structure, but that doesn't cover what is inside the building.
  3. It covers you even when you're not home.
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101 Essential Summer Tips and Tricks

Just kidding, we’re not going to give you a canned message on things like “topping off your radiator fluid.” (But seriously…you should definitely top off your radiator fluid)  This weekend my 11 year old and 9 year old decided that it was the perfect day to bike a few miles down the road and back.  After the requisite “get ready, eat lunch while I’ll finish mowing the lawn”, we ventured out.  (Any guesses yet on what was forgotten before we headed out?)  As we turned the 3 mile corner back toward home, the thing that was missed became pretty clear to me as one of the kids became sick to her stomach and started getting dizzy.  The kids were in so much of a hurry to get their bikes out and have fun that they failed to eat lunch and drink water.  What was such an easy step
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5 Common Misconceptions about Home Insurance

With so much information about homeowners insurance floating around the internet, it's easy to jumble it all up. But it's important to know exactly what you're buying before signing on the dotted line. This article discusses five of the most common misconceptions about homeowners insurance that people frequently mix up.
  1. Filing a claim increases premium prices: While it's true that filing multiple claims is likely to increase your premium, filing a single claim may not cause a price hike. This is particularly true if you haven't filed a claim within the last few years. However, to protect your bank account, double check the repair estimate to ensure that the cost exceeds that of your deductible.
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