If rental coverage is included on your vehicle, you will find specific information on your policy document, known as the “AUTOMOBILE INSURANCE DECLARATIONS PAGE.” This will outline the maximum rental charges allowed per day, up to a maximum of 30 days per covered claim. The rental days covered do not need to be consecutive. The […]
What if I need a rental car while my car is being repaired? Read More »
With a Bear River Mutual Policy, you are covered in all US states, territories, and Canada! File your claim, and your adjuster will guide you through the process, and answer any questions you may have.
What happens if I get into an accident in another state? Read More »
You can choose any shop for your car repairs but there are benefits to chosing a Bear Care Direct Repair auto body shop:
Why should I use a Bear Care Direct Repair (DRP) body shop to fix my car? Read More »
You can choose any shop for your car repairs! There is no obligation to use a Bear Care provider. We want you to be comfortable with your provider. But there are benefits to chosing a Bear Care Direct Repair auto body shop:
Do I have to use a recommended Bear Care Direct Repair shop to fix my car? Read More »
Finding a trustworthy body shop to fix your car can be difficult and overwhelming. At Bear River Mutual, we want to make your auto insurance claims as easy as possible. We have vetted and selected a group of auto repair shops that meet our high standards for quality and service. These shops are part of
What is the Bear Care Direct Repair (DRP) program? Read More »
Bear River Mutual uses independent agents to sell our policies. Independent agents are licensed professionals able to sell insurance policies for many different insurance carriers. This offers flexibility for you as a customer to find the best policy for you and your needs. Fill out our online form, and based on your zip code, the
How can I get a quote for auto insurance? Read More »
To process a complete and accurate quote, an independent agent will need the following information:
What information is required to get a car insurance quote from Bear River Mutual? Read More »
A deductible is the amount that you need to pay when you experience a covered loss. Bear River Mutual then covers the remaining expenses up to the applicable limit(s) as stated in your policy. Example: You have covered expenses that are $2,500. You have a $1,000 deductible. You will be responsible for paying $1,000, and
How do deductibles work for Bear River Mutual car insurance policies? Read More »
This is a personal decision. It can depend on your preferences and financial approach, and every customer may view these differently. A higher deductible results in lower premiums (your monthly cost). However, if you file a claim, you will pay more out-of-pocket. A lower deductible will lead to a higher premium, but you will pay less for filing a claim. Contact
Should I choose a higher or lower deductible? Read More »
Your auto insurance policy typically extends coverage to you, your spouse/partner, relatives residing in your household, and other licensed drivers who have your permission to drive your insured vehicle. The specific details outlined in your policy dictate the exact coverage and exclusions. If you have any questions about your coverage, reach out to your agent.
Who is insured when driving my vehicle? Read More »
