Auto Insurance Provo Utah UT
Reader’s Question:
Is it possible for car insurance company to cancel or non-renew a policy after its inception date? What are usually the reasons for insurance companies to do this? I got my car insurance in Provo, UT.
Tara
Provo, UT
Yes. There are cases that insurance companies cancel a policyholder’s insurance after it has been issued. Many state insurance regulators have set restrictions on when and why an insurance policy can be canceled after its inception date. For example, in the state of California, there are only three reasons an automobile policy can be canceled/non-renewed once it is issued. (1) Fraud or material representation; (2) Non-payment of premium; and (3) Substantial increase against hazard.
Cancellation notices should be mailed to you at your last known address stating the reason at least ten (10) days prior to the cancellation’s date effectivity for nonpayment of premium, and twenty (20) days for all other reasons. As for nonrenewal, notices must be forwarded to you at least thirty days (30) before expiration. Upon your written request, the company will give you the reason for your policy’s nonrenewal and this should be stated on the nonrenewal notice. These notices also serve as a reminder for the policyholder and give him an opportunity to pay the past due premium and keep the policy in force (if nonpayment is the issue) or to secure other insurance. I would suggest contacting your Provo, UT insurance agent to find out more information on regulations regarding auto insurance cancellations and nonrenewals.
You may contact you car insurance company in Provo, UT to get more information on car insurance cancellation.
Tags: auto insurance, insurance advice
Teen Car Insurance North Davis Utah UT
Reader’s Question:
I am divorced and my teeanage son stays with his dad every other weekend. In a couple of months, he is going to get his driver’s license. Is there a law regarding adding him to my policy? He will be using one of my cars which has insurance on my name. Do I need to list him on my policy? What about him being added to his dad’s policy since he occasionally drives one of his cars. I live in North Davis, Utah if that matters.
Louisa
North Davis, UT
Majority of car insurance companies would want to have information about other household members who have regular access to your cars. They would ask you to either list that person as ‘eligible’ to drive or ‘excluded’ from driving. If you want your son to be covered in cases of accidents, then you will need to inform your insurance company when he obtains his license (or permit). Most likely, your insurance company will require you to place him as an eligible driver on the policy.
It may seem confusing as to which parent’s auto insurance policy would children of divorced parents be included. Usually, the parent who has custody of the child should add the child to his or her policy as what many insurance providers suggest. In some cases, a parent has custody of the teen when the child is attending school. It would be wise to ask your insurance agent about the specific policy guidelines.
The teen will normally be covered by both parents’ policies if both parents are insured by the same company regardless of whether the child is listed as a driver on either policy. This is because some insurance policies define “an insured” as a person related to you by blood, marriage, or adoption who is a resident of your household. You will need to read through your policy language and/or contact North Davis, UT insurance agent for details since not all policies are the same.
Tags: auto insurance, teen insurance, Young driver car insurance
Provo Utah Gap Auto Insurance
Reader’s Question:
Can I obtain gap insurance in Provo if I had bought my vehicle 6 months ago? I live in Provo, UT.
David
Provo, UT
Yes, normally you can still buy GAP insurance for a motor vehicle in Provo even though it has been 6 months since you have bought it. You can buy GAP insurance at anytime as long as the GAP policy requirements are met.
During the early years of your vehicle’s life GAP insurance can provide valuable protection. If a covered loss happens (total loss in a collision, theft, etc.), GAP insurance will pay for the difference between the actual cash value (ACV) of the car and the current outstanding balance on your lease or loan.
Business Auto Insurance Quote Utah UT
Reader’s Question:
When should I consider buying personal car insurance instead of commercial car insurance? I live in Utah.
Terrence
Provo, UT
When you use your car in business you need to inform the insurance carrier in Utah. In some cases it is better to have a “regular” personal auto insurance policy with a business endorsement and in some scenarios you need “commercial auto insurance”. There are a few different types of insurance policies to consider. You can either buy a Commercial Auto Policy (Business Auto Policy) or Personal Auto Policy.
For a Personal Auto Policy with some insurance companies you can add a business endorsement.
The commercial car insurance quote specialists will be able to assist you determine your needs when you request a commercial car insurance quote online or when you get a personal auto insurance policy quote.