BEAR RIVER CAR INSURANCE: Rates, Coverages, and Reviews (Updated!)

Bear River car insurance coverage/quote in Utah and reviews.

You must purchase auto insurance before you need it to reap the benefits of having it. On the off chance that a car accident occurs, it’s best to be safe and have all the necessary policies in place. Bear River car insurance started out as a small business dedicated to assisting farmers in obtaining affordable insurance. In this article we’ll be discussing Bear River car insurance coverage/quote in Utah and reviews.

They have been in business for nearly a century and a quarter and is one of Utah’s oldest and largest personal lines car and home insurance companies. BR car insurance covers policyholders wherever they travel in the United States and Canada, despite the fact that they are based in Utah.


Bear River Car Insurance Utah

Bear River Mutual has been in business in Utah for over a century. Despite the fact that other insurance companies exist in the state, Bear River Mutual is usually the best option for car insurance in Utah. They offer the most competitive auto insurance rates to customers and understand exactly what drivers in the state require.
The law in Utah is based on comparative negligence. This means that multiple drivers can be found to be at fault, and you can only sue for damages if you are found to be less than 50% at fault. If you are found to be 20% at fault, for example, the at-fault driver’s insurer may offer you a claims settlement that covers up to 80% of your post-accident expenses.

Utah car insurance requirements

All Utah drivers must carry proof of auto insurance and show it to any law enforcement officer who requests it.

Minimum coverages requirements in Utah:

  • Liability for bodily injury is $25,000 per person and $65,000 per accident.
  • Liability for Property Damage: $15,000 per accident
  • Personal Injury Insurance: $3,000 per accident*
  • Uninsured motorists face fines of $25,000 per person and $65,000 per accident.
  • Underinsured motorist coverage is $25,000 per person and $65,000 per accident.
  • The “loss of income” component of PIP coverage may be refused in writing.
  • Uninsured and underinsured coverages are subject to written rejection.


Bear River Car Insurance Quote

You will need to contact a Bear River car Insurance agent to obtain a quote. You may need to provide personal information such as your name, date of birth, and social security number. When applying for home insurance, you will need to provide details about your home, such as the square footage, the year it was purchased, the year it was built, and so on. You will need to provide the VIN number, mileage, make, model, and year of the vehicle when applying for car insurance. Finally, you’ll be asked how much coverage you require, what type of coverage you require, as well as the deductible you wish to use.

Bear River Car Insurance Coverage

Car insurance from Bear River Mutual is fairly ordinary. Minimum and full coverage insurance, as well as a few endorsements for further protection, are available from the company. If your vehicle is damaged as a result of a covered claim, you can use the Bear Care Direct Repair Program (DRP) to choose a reputable auto body shop and receive guaranteed service.

Bear Mutual offers the following car insurance policies:

  • Full coverage insurance includes Collision, comprehensive, liability, medical costs, and uninsured/underinsured motorist coverage.
  • Personal injury protection: Under Utah’s no-fault insurance statute, personal injury protection (PIP) is important. PIP pays for a driver’s medical bills and lost wages following an accident, regardless of who was at fault.
  • Gap insurance is for cars that have been financed or leased. Gap insurance compensates the difference between the car’s lowered value and the outstanding loan balance if it is totaled.
  • Towing, extrication, battery repair, gasoline delivery, and other services are covered by roadside assistance.
  • Rental car reimbursement: If your vehicle requires repairs as a result of a covered claim, rental car reimbursement will cover the cost of a rental automobile.


Bear River Car Insurance Phone Number

Bear River has increased its services in recent years. They also offer roadside assistance 24/7 and policyholders can add rental car reimbursement to their coverage. If you aren’t yet a homeowner, you can purchase renters insurance.

Bear River primarily covers properties in Utah, thus insurance prices are based solely on claims in that state. Because of this business model, as well as the fact that they are not very risk tolerant when it comes to auto policies, the company may charge you lower prices for the same coverage as other insurance products. You will obtain the same coverage if you sign up for collision and comprehensive coverage as you would elsewhere. To understand their insurance policies and coverage you can contact Customer Service at 801-267-5000 for assistance. You can also visit Bear River Insurance.


Bear River Car Insurance Reviews

Bear River car insurance has a B- rating from the Better Business Bureau, with an average rating of 1.11 out of 5 stars based on 11 customer reviews. BR, on the other hand, has a strong financial position, earning an A- rating from AM Best. According to the National Association of Insurance Commissioners, Bear River Mutual had only one customer complaint in the past year, which is below average (NAIC).

Many people in Utah who are covered by Bear River have affordable vehicle insurance premiums. Bear River’s charges for the same drivers can be half of what you’d anticipate from competing carriers. Keep in mind that they do this in part by aggressively reducing their risk.

As a result, if you apply with many traffic infractions, you may be denied coverage. Bear River’s offices may decide not to renew your insurance if you have too many incidents during a policy period. Bear River may not be the best option for you if you prefer the conveniences of major vehicle insurance providers.

Conculsion

Particularly with local businesses like Bear River, an independent insurance agent can advise you on your options. They provide exceptionally low-cost auto insurance, but their target market is extremely tiny. You may be turned away if you have too many fines or insurance claims. This is how they maintain such low rates. In addition, you must reside in the state of Utah. Claims involving roadside assistance can get more challenging if you travel frequently. Before deciding on Bear River, think about whether it’s the best fit for you and what your options are.

Frequently Asked Questions

What coverages does Bear River Mutual Insurance Company offer?

Bear River Mutual Insurance Company offers coverages for Car, Condo, Dwelling Fire, Earthquake, Homeowners, Motorhome, Renters, Trailer, and Umbrella insurance.

How do I file a claim to Bear River?

Customers can file a claim with Bear River either online or by phoning their agent. You must provide a thorough account of the incident, including the date, time, location, extent of the damage, and anyone else who was present.

What states does Bear River Mutual Insurance Company do business in?

Bear River Mutual Insurance Company provides coverage in Utah.

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