Motorcycle Insurance: A Comprehensive Guide to Your Ride’s Protection

Owning a motorcycle means embracing a certain degree of risk influenced by road conditions and other drivers. As devoted insurance agents at The Smith Insurance Group Inc. in Sandy, UT, we understand the importance of having the right motorcycle insurance to safeguard your road trips. Let’s explore some common queries.

Is Motorcycle Insurance Mandatory in Utah?

Yes, you’re obliged to carry insurance while on the road in Utah. It’s essential to have your insurance card with you, together with your driver’s license, at all times, as you’d need to produce it if police officers request it.

What Is the Required Coverage Limit for Motorcycle Insurance in Utah?

The insurance minimums required in Utah consist of $25,000 per person for bodily injury liability, $65,000 for two or more persons for bodily injury liability, and $15,000 for property damage. While these are the basic levels of coverage, you may consider opting for more if you have a financed bike.

Is Collision and Comprehensive Coverage Necessary for Older Bikes?

The value of your older bike determines whether you should take collision and comprehensive insurance. Some older bikes may carry considerable value, which justifies the cost of collision and comprehensive coverage. Without these, the cost of repairs or replacement would be yours to bear.

Can I Register My Motorcycle Without Motorcycle Insurance?

No, it’s mandatory in Utah to produce proof of insurance before you can register your motorcycle.

Contact The Smith Insurance Group Inc. in Sandy, UT, if you need comprehensive motorcycle insurance. Protect your motorcycle today to enjoy the thrill of the open road without worry.

A transformative wave is sweeping through the life insurance industry as wearables and health tech are integral in redefining risk assessment in and around Sandy, UT. This marriage of technology and life insurance is not just about coverage but a proactive approach to promoting healthier lifestyles and more accurate risk evaluation.

The Rise of Wearables: Beyond Fitness Tracking

Wearables have transcended their origins as mere fitness trackers to play a pivotal role in life insurance. Devices like smartwatches and fitness bands monitor physical activity and vital health metrics. Insurers, recognizing the value of this real-time health data, are forging partnerships with policyholders to encourage the adoption of wearables.

Health Tech’s Data Insights: A Game-Changer in Risk Evaluation

Technologies provide a comprehensive view of an individual’s health behaviors, from sleep patterns to nutrition habits. Insurers leverage this wealth of information to refine risk evaluation, moving beyond traditional metrics and gaining a nuanced understanding of policyholders’ health.

Incentivizing Healthy Living: Collaborative Wellness Programs

Integrating wearables and health tech is not merely about data collection; it extends to fostering healthier lifestyles. By offering incentives such as premium discounts or additional coverage based on health achievements tracked by wearables, insurers promote well-being and establish a reciprocal relationship with policyholders.

The Mutual Benefit: Enhanced Underwriting and Policyholder Well-Being

Insurers gain access to real-time health data, allowing for more accurate risk assessment and personalized underwriting. Simultaneously, policyholders receive tangible benefits for embracing healthier habits, creating a symbiotic relationship that extends beyond the traditional transactional nature of insurance.

How The Smith Insurance Group Inc. Can Help You

At The Smith Insurance Group Inc., we can help answer questions concerning life insurance. We serve the Sandy, UT area. Call us today.   

Knowing how to file a motorcycle insurance claim is essential for riders. The Smith Insurance Group Inc., based in Sandy, UT, can guide you through this process to ensure you receive the necessary support in case of an accident.

Filing a Motorcycle Insurance Claim: Step by Step

1. Prioritize Safety: Ensure safety for all involved. If possible, move your motorcycle to a safe area, and call 911 for minor accidents.

2. Contact Authorities: Report the accident to law enforcement and cooperate with a police report, which is valuable for the claim.

3. Gather Information: Collect contact details of involved parties and witnesses and document the scene with photos.

4. Notify Your Insurer: Contact your motorcycle insurance provider immediately to report the incident and get assistance from The Smith Insurance Group Inc.

5. Document and Share: Maintain a claim record, including names, dates, and conversations with adjusters, and share this with your insurance company.

6. Obtain Repair Estimates: Get repair estimates from reputable shops, which your insurer may prefer.

7. Evaluate Coverage: Understand your policy’s coverage limits and deductibles with assistance from The Smith Insurance Group Inc.

8. Review and Sign: Carefully review and sign any documents your insurance company provides, including settlements or releases.

Filing a motorcycle insurance claim may seem complex, but it’s essential for post-accident support. The Smith Insurance Group Inc. in Sandy, UT, is ready to assist you immediately. By following these guidelines and seeking expert guidance, you can confidently navigate the process, knowing you have a trusted partner. If you’re looking for a new insurance policy or have questions about an existing one, let us help. Call now to get started.

If you’ve just bought a new boat and are anxious to take it out on the water, you might wonder if you should insure it first. Boat insurance is required in certain instances in Utah, depending on the type. Here is an overview that will help you determine if you need insurance on your boat before you take it on the water. 

What Types of Boats Are Required to Be Insured?

In Utah, any motorized boat with an engine larger than 50 horsepower must be insured with a minimum of liability insurance. Your boat must also be registered and titled. Boats with less than this amount of horsepower aren’t required to be covered by insurance, although insurance is always a good idea.

What Are Exceptions to the Insurance Law for Boats?

One exception to the requirement for boat insurance in Utah is if your boat is stored and you never take it out on Utah waters. However, as soon as you take the boat out on any body of water in Utah, you must ensure you have adequate coverage. You must also carry proof of this insurance at all times and present it upon request from any Coast Guard official. 

If you live in the Sandy, UT area and you’re looking for a boat insurance provider, contact us at The Smith Insurance Group Inc. We are a professional insurance agency that provides just about any insurance coverage you might be seeking, including boat insurance. Call us today, and one of our representatives will happily answer any questions and provide you with a quote.

Choosing the right health insurance can be tricky and complicated. If you are currently searching for health insurance for yourself or your family member, you need to know and consider certain things. Keep reading our blog posts to learn more about this type of insurance. 

Choosing Health Insurance: Things You Need to Know

Here is what you need to take into consideration when shopping for health insurance:

• Your individual health needs. Your health insurance coverage choice depends on your personal needs and any existing health issues. For example, if you are not planning to see doctors very often and need insurance for your annual visits only, choosing a plan with a high deductible and lower premium makes sense. However, if you think you may need to see a doctor frequently, the situation is the opposite: choose a plan with a lower deductible and higher premium. 
• Various health insurance options. There are several options to get your health insurance. The first one is getting it through your employer. If your company offers insurance, enrolling in a plan based on your needs and budget is quite easy. 
• Additional perks. You may not know this, but many health insurance plans have other perks, such as wellness programs and incentives, the purpose of which is to help policyholders healthy. 

The Smith Insurance Group Inc. – Serving Clients in Sandy, UT, and Other Nearby Towns

If you are searching for health insurance and need help choosing the right plan, The Smith Insurance Group Inc., serving clients in Sandy, UT, and other nearby cities, is ready to assist you. Contact us to learn more about different insurance options and learn more about insurance in general. 

At The Smith Insurance Group Inc. in Sandy, UT, we help our clients prepare for all stages of life. From ensuring that your house is covered as you raise your kids to preparing to provide for your loved ones at the end of life, our policies are designed to ensure your family is ready for anything life throws at you. While many life insurance policyholders opt to list a family member, spouse, or close friend as a beneficiary for their life insurance policy, others may want to leave a legacy behind and support their favorite charitable cause. If you list an organization, such as your preferred charity, as a life insurance beneficiary, you might worry that it won’t be possible. While there are some limits on what we can and can’t do with life insurance policies, there may be some wiggle room to have an unconventional life insurance beneficiary.

Can I Donate My Death Benefit to a Non-Profit?

Similarly to naming loved ones as a beneficiary of a life insurance policy, you can add a non-profit organization or charitable organization to your life insurance policy as a beneficiary. If you’d like to divide your life insurance benefit between family members and a charitable cause, you can list multiple beneficiaries for your life insurance policy. If you list a charity as a life insurance beneficiary, you’ll want to notify them so they can contact your insurance company in case of your passing. Adding a charity as a beneficiary is sometimes restricted, so you’ll want to review your policy with our agents.

For more information about our life insurance policies, call The Smith Insurance Group Inc. in Sandy, UT!

Boats bring a lot of joy and memories to our lives. Sadly, boats are a seasonal treat, especially for Sandy, UT residents. Because of this, you may wonder if there’s any point in keeping insurance on your boat during those cold winter months. After all, you aren’t using it, so why do you need coverage?

Unfortunately, it’s not as simple as that. The Smith Insurance Group Inc. is here to explain why you need boat insurance year-round.

You Might Be Required To

If you are currently making payments on your boat, your lender likely requires you to have some level of insurance coverage year-round. This is because they want to ensure that their investment is always protected. In addition, the marina where you dock your boat may require insurance as well since they’re often not responsible for the damage.

There’s No Off Season for Disasters

Just because your boat isn’t out on the water doesn’t mean it can’t be damaged. Depending on where and how you store your boat, it may be at risk of storm damage, fires, theft, vandalism, and more. If you have allowed your insurance coverage to lapse, you may be left paying for the repairs–or even a new boat–out of pocket.

Speak With An Experienced Sandy, UT Agent About Boat Insurance Today!

Your boat is a significant investment and should be protected as such. Here at The Smith Insurance Group Inc, we understand how important your boat is and will work with you to find the coverage options that best suit your needs. Contact our office today to learn more about how we can help you.