Covid-19 Information

Your Stay Safe, Stay Home Dividend 

Bear River Mutual auto policyholders will automatically receive a dividend of 15% for the month of April. 

We have all been impacted by COVID-19 in many ways. In Utah, we are working together to help protect ourselves and each other from the effects of this virus by staying home more and driving less. As a result of those efforts, there were fewer cars on the roads around our state, and a reduction in the number of accidents. 

Because of the reduction in accidents, Bear River Mutual is crediting our members 15% of their April 2020 auto premium in the form of a policyholder dividend. After staterequired 30-day waiting periodwe will issue the dividend to our members beginning the second week of June. 

Bear River Mutual will be returning over $1.8 million in dividends to our members in Utah for the month of April. This dividend will be credited back to each member’s auto policy based on the amount of premium in effect for April 2020. Members with a balance due on their payment plan will receive a credit on their next billing statement. Members with no remaining balance due will receive a refund check. 

For example, if your 12-month policy premium is normally $1,200, one month of premium would be roughly $100. In that situation, you’d be likely to receive a dividend of $15 for April. Keep in mind that unique policy and billing situations may apply. And if you bought a policy after the first of the month, your credit will be prorated based on the amount of time you were insured with us in April.

At the end of May, we will review the impact of the ongoing Stay Safe, Stay Home directive. If we continue to see a significant reduction in accidents, we will issue another dividend.   

These dividends are subject to approval by the Utah Insurance Department. 


Other information related to our COVID-19 response: 


We are continuing to assist our policyholders with their billing needs on an individual basis. For members who have maintained a good payment history, this may include waiving a reinstatement fee, a bounced check fee, offering alternative payment options, or protecting a Prompt Payer discount. Our Customer Care team can be reached at 801-267-5000 to help you should you need billing assistance. 


Bear River Mutual will provide coverage at no additional charge under our auto policy when an insured driver is employed by and engaged in residential delivery of food or medical supplies on behalf of a restaurant, grocery store, pharmacy, or medical supplier impacted by COVID-19. 


Now is a great time to take advantage of the value of working with an independent agent. Your agent can help evaluate and discuss the need for any changes in coverage due to the consequences of the COVID-19 community response. There may be several opportunities for savings due to your change in driving behavior.