FAQs

You may consider opting out of comprehensive coverage if:  Coverage amounts are based on the current market value of your vehicle, and any claims are subject to your deductible.   Call your agent to discuss what would work best for you.  Your agent’s contact information can be found by logging in to your customer portal.

Ask these questions:  A Bear River Mutual independent agent can help you find the best coverage options that meet your specific needs!  If you already have an agent, you will see their contact information listed in your policy information on the customer portal. To find an agent, you can use our search page. Simply enter

Liability coverage protects you in case of injury or damage to others. Here is an overview of the different types of liability coverage: It is important to note that the coverage limit sets a maximum amount that can be paid, but it does not guarantee full payment in every situation. It is crucial to review

No! In the state Utah it is a legal requirement to maintain no-fault (aka liability) insurance on all passenger cars and trucks for the entire registration period. The Utah State Legislature has established minimum liability limits that insurance companies operating in the state must adhere to for motor vehicle insurance policies. As a vehicle owner in Utah, it is your responsibility to be

If you would like to reduce your premium (the amount you pay for insurance coverage), check with your agent to find out what discounts you may be eligible for.   Discounts may include:  Your agent can offer advice and assistance to find the best options for ou to lower costs, while still maintaining coverage.   Your agent’s information can be found in your customer portal.

Your proof of insurance card, or insurance ID card, can be found in your customer portal. Log in, and you will have a printable format. You can also keep a digital copy on your phone.  

First, you must see if you have comprehensive coverage on your policy. If your vehicle has comprehensive coverage, you may be eligible for coverage for minor repairs (rock chips, etc.) at no additional cost. A full windshield replacement, however, is subject to the deductible specified on your policy for that vehicle. You may also have

Rental coverage is an optional addition to your insurance policy. It is vehicle-specific coverage that can be added upon request. To check if you have rental coverage, view your policy information. If rental coverage is included on your vehicle, you will find specific information on your policy document, known as the “AUTOMOBILE INSURANCE DECLARATIONS PAGE.”

Contact your agent! They are able to help you make any modifications to your policy.   Make sure you have the following information:  To locate the VIN, look at your bill of sale or registration documents. You can also look at your car itself.  Go outside of your car and look through the windshield on the driver’s side. The VIN will be on the bottom corner of the driver’s side dashboard.  I

First, contact your agent! They are the best resource to make any modifications to your policy.   Make sure you know:  If it is for a driver that doesn’t live with you (like a child at college), having their temporary address can also be helpful. If you don’t know who your agent is, you can log in to your customer