Will My Auto Insurance Pay Claim For Accident in Utah
Reader’s Question:
I bought a new car last month and it is paid off. I got involved in a crash and I was at fault, my question is, will my insurance in Provo, Utah cover the vehicle or just the other party?
Pierce
Provo, UT
This will actually depend upon what auto insurance coverages you have put on your new car. If you have the comprehensive and collision coverages then your vehicle is protected by your car insurance policy. So if you are at fault in a crash your liability coverages would cover cover your own car and those that you caused damage to.
If you did not place collision coverage on your car, then you would not have any coverage on your car and so could not make a car insurance claim.
Most drivers that have a new vehicle will want to protect their vehicle, by placing both comprehensive and collision coverages on the car. Those with a lease or loan on a car will normally be required to have the physical damage coverages of comprehensive and collision on their vehicle. If an individual owns more than what a vehicle is worth they would also want to obtain GAP insurance that would cover the balance between what the automobile is worth and what they owe on the vehicle.
If you are not sure of what car insurance coverages you have on your car insurance policy in Provo, Utah, then read over your car insurance policy and talk with your car insurance agent for verification. If you do have collision coverage on your car insurance policy then you could place a first party claim with your insurance company for the damages your vehicle sustained in an at-fault accident.
