Bear River Car Insurance in Utah: Claims and Reviews

bear river car insurance

When looking for the list of options for car insurance, especially in Utah, Bear River is invariably the best option. It is no surprise though since they provide the most flexible and friendly auto insurance prices for customers. So to say, if you’re looking for a good insurance quote that’ll perfectly suit your preferences, Bear River car insurance might just be the place for you!. In this article, you’ll see reviews about the Bear river car insurance, and, who knows, you’ll find their phone number very useful.

Well, we can’t talk about Bear River car insurance without mentioning the parent company – Bear River Mutual. So, let’s see what it is.

About Bear River Mutual

Bear River Mutual was founded in 1909, making it Utah’s oldest mutual casualty and property insurance company. It is a mutual company owned by its policyholders, who reap the benefits of purchasing coverage from a mutual insurance company by paying lower-than-average premiums.

Bear River Mutual emphasizes that it has strict qualification criteria and only allows the safest drivers to purchase policies, which helps to keep costs low. Customers who buy car insurance from Bear River get a very personal experience because it only serves the state of Utah.

Unfortunately, the insurance company does not receive the highest ratings from experts. Bear River has a B- rating with the Better Business Bureau (BBB) and an A- rating with AM Best for financial strength. While these ratings aren’t particularly low, they are lower than almost every other major provider in the auto insurance industry.

Customers can get RV, motor home, and trailer insurance in addition to car insurance.

Bear River Mutual Costs And Discounts

Bear River Mutual is well-known for its low costs. However, estimating the cost of car insurance is difficult because prices vary depending on individual factors such as:

  • Age and gender
  • marital status
  • Make and model of the vehicle
  • Age of car 
  • Driving history 
  • Driving activity 

Car Insurance from Bear River Mutual

Bear River Mutual Insurance Company provides the following policy options:

  • Liability auto insurance: protects drivers from third-party losses or injuries sustained in an accident.
  • Collision insurance: Covers the expense of collision-related damage.
  • Comprehensive auto insurance: pays for physical damage to your vehicle that isn’t the result of an accident (theft, vandalism, storms, and more)
  • Personal injury protection (PIP): Pays for medical expenditures, missed wages, and lost services if you are injured in an accident.
  • Uninsured/underinsured motorist coverage: Covers injuries caused by drivers who do not have insurance or have insufficient insurance.
  • 24/7 roadside assistance: Pays for lockouts, towing, and gas delivery.
  • Rental car reimbursement: Covers the expense of a rental automobile if your car is damaged.

The first five categories of auto insurance are the most common. Many insurers include roadside assistance and rental car reimbursement as add-ons that can be useful following an accident or breakdown.

Does car insurance cover the car or the driver? 

Insurance that follows the driver is often restricted to liability coverage. Many factors can affect how your policy pays out for covered automotive losses, so it’s important to understand insurance deductibles and policy limitations.

What if someone is involved in an accident while driving your car?

Consider the following example: What if a friend borrows your car to go shopping? He mistakenly runs a stop sign and collides with another vehicle down the street. What if you were the friend who borrowed a car to perform an errand and got into an accident? Is your own coverage transferred because you were driving?

Because the answers to these questions may differ from state to state, we’ll only consider Utah in these scenarios.

In Utah, the physical damage coverage for the vehicle you’re driving (Comprehensive and Collision) will only apply to that vehicle. So, no matter how good your friend’s intentions are, his coverage will not pay to repair your automobile if you lend it to him and there is a wreck. In this case, you must first ensure that you have Comprehensive and Collision coverage on this vehicle.

Furthermore, liability coverage (which pays out to third parties) is typically limited to the vehicle being driven. As a result, even if you have the best insurance coverage in the world, you could be punished for driving your friend’s automobile if he does not have insurance.

How does insurance work if you lend someone your car?

In most cases, when you borrow a car, you also borrow auto insurance. Insurance follows the vehicle rather than the driver. That means that if you are in an accident while driving someone else’s car (which is not covered by your insurance policy), the owner of the car will most likely be held liable for any financial losses. Your insurance isn’t going to help you out.

When we borrow someone else’s car, we don’t usually say, “Hey bro, you have insurance, don’t you?” (particularly if we say it in a hippie-surfer tone), but it’s not a terrible idea to inquire if we want to avoid a costly Driving Without Insurance charge.

About Bear River Insurance Company

Bear River insurance company was founded in 1909 in Northern Utah beside the named river, making it the state’s oldest mutual property and casualty insurance company. It was founded to give affordable insurance to local farmers, but it has now expanded to include numerous lines of insurance. Bear River now offers Utah customers car, home, renters, and other specialty lines of insurance. The firm specializes in Utah residents’ insurance needs. They are a small business, and so, their office hours are limited. So, while you can begin your claim online, you may not receive an update until the following business day.

Bear River Car Insurance Utah

Many people in Utah who are covered by Bear River benefit from affordable car insurance rates. Bear River’s charges for the same drivers are almost half of what you could expect from other carriers. Note that they do this in part by aggressively reducing their risk. Consequently, if you apply for many traffic offenses, you may be denied. Also, if you have too many incidents during the course of a policy period, Bear River’s offices may decide not to renew your policy. 

Bear River offers a number of car insurance coverage policies, and they include:

  • Personal Injury Protection: According to Utah’s no-fault insurance law, personal injury protection (PIP) is necessary. PIP pays a driver’s medical expenses and lost wages following an accident, regardless of who caused the accident.
  • Full Coverage: This covers collision, comprehensive, liability, madical payments and both uninsured and underinsured motorist coverage. 
  • Roadside assistance: roadside assistance takes care of the cost of towing, battery replacement, fuel delivery, etc.
  • Gap insurance: this is particularly meant for leased or financed cars. If, for instance, a car gets totaled, gap insurance compensates the difference between the car’s lowered value and the outstanding loan balance.
  • Rental car reimbursement: If your vehicle requires repairs as a result of a covered claim, rental car reimbursement will cover the cost of a rental automobile.

In addition, Bear River car insurance offers the following discounts:

  • Multy-policy discount: you can quality for a multi-policy discount if you apply for a home insurance policy in addition to the car insurance.
  • Claims-free discount: Drivers who have had no prior insurance claims on their record can save money on their insurance premium. 

How do you get a Bear River Car insurance quote?

If you want to get a quote, an independent insurance agent, preferably one that works with local car insurance companies like Bear River, can advise you on your options. They provide exceptionally low-cost car insurance, but, they also have a very small target market. You may be turned away if you have too many fines or insurance claims. Thus, they are able to maintain such low rates. Besides that, you must reside in the state of Utah. Claims involving roadside assistance can get more challenging if you travel frequently. Therefore, before you decide on Bear River, think about if it’s appropriate for you and what other options you have.

You will have to provide some of your personal information like your birthday and social security number. You’ll also require information about your vehicle’s VIN number, mileage and make, model, and year of purchase. Additionally, you’ll state how much coverage you need, as well as your chosen deductible.

If you’re looking for a quote on Bear River Car Insurance, you can contact the agency via their phone number-(801) 852-5555.

Filing a claim with Bear River Car Insurance

You can file a claim with Bear River car Insurance via the online customer portal or by calling any of their insurance agents’ phone number. You’ll need to give a detailed explanation of the incident, which includes the date, time, location, and extent of the damage. If the incident involves anyone else, you’ll include that too.

Bear River Car Insurance Reviews

Bear River Car Insurance has divided reviews. It has a B- rating with the BBB, and the company has an average rating of 1.11 out of 5 stars based on 11 customer reviews. Bear River, on the other hand, has the great financial strength, with an A- rating from AM Best. According to the National Association of Insurance Commissioners (NAIC), Bear River has below-average complaints, having received only one consumer complaint since 2018. 

Given their low BBB rating, you’d think Bear River Mutual would have a lot of consumer complaints. Bear River car insurance, on the other hand, gets 4.7 stars on Google reviews, based on over 1,300 comments from drivers. Positive feedback emphasizes great customer service and long-standing relationships, while negative feedback focuses on concerns with the claims procedure. Here are some of the reviews:

“I have been with Bear River for over 50 years… They are like family!  Each and every time I have needed repairs or help with a claim, my experience has been easy with no stress!  I would recommend them to anyone.”

– Kathie W. via Google reviews

“Loved this company until we filed our second claim in almost [five] years. They deemed us “risky customers” and dropped us without notice or warning. If prices seem too good to be true, they generally are… Stay far away.”

– Kayde G. via Google reviews

Bear River Insurance Login

The following are the various pages for Bear River insurance login:

Login To Your Account, Bear River Insurance Utah  

https://www.bearriverinsurance.net/login/
Use this login page to access your account. This is a safe and secure page. A policyholders facility provided by Bear River Insurance Utah.

Service Center | Bear River Car Insurance Phone Number

https://www.bearrivermutual.com/service-center/
Welcome to the Bear River Mutual online Service Center where you can pay a premium, file a claim, or locate a provider.

Bear River Connect Login  

https://connect.bearrivermutual.com/portal/account/agent/login
Bear River Connect Login. Are you a first-time user? Create Account

Bear River Mutual Insurance | Pay Your Bill Online | Doxo.Com  

https://www.doxo.com/info/bear-river-mutual-ins
Also Known as Bear River Mutual, bearrivermutual.com.

Bear River Car Insurance Quote, Utah Insurance Agent  

https://www.bearriverinsurance.net/

Bear River Mutual – Home | Facebook  

https://www.facebook.com/BearRiverMutual

Quickpay.Bearrivermutual.Com: Login | Bear River Mutual  

https://www.easycounter.com/report/quickpay.bearrivermutual.com

Bear River Mutual Insurance | Pay Your Bill Online | Doxo.Com  

https://www.doxo.com/info/bear-river-mutual-ins

Bear River Mutual Insurance Company – Yelp.Com  

https://www.yelp.com/biz/bear-river-mutual-insurance-company-murray

Bear River Connect  

https://connect.bearrivermutual.com/portal/account/agent/register
Account Activation.

Conclusively

Bear River Car is a dependable car insurance provider with over 100 years of experience. However, it offers few coverage options and few discounts. Customers looking for exceptional local service will love Bear River. However, those looking for additional options should look into a renowned nationwide supplier. In addition to car insurance, Bear river offers other insurance policies like umbrella, business, earthquake, home, and renters insurance quotes. 

Frequently Asked Questions

Is Bear River a good brand?

Bear River Mutual has a B- rating with the BBB, and the company has an average rating of 1.11 out of 5 stars based on 11 customer reviews. On the other hand, Bear River has great financial strength, with an A- rating from AM Best.

What is Bear River Insurance Slogan?

Bear River has the slogan “Where Values Count” reflecting their past, present, and future. It is what sets Bear River Mutual apart from other insurance businesses.

What coverages does Bear River Mutual Insurance Company offer?

Bear River Mutual Insurance Company offers coverages for Car insurance, Condo Insurance, Dwelling Fire Insurance, Earthquake Insurance, Homeowners Insurance, Motorhome Insurance, Renters Insurance, RV insurance, Trailer Insurance, and Umbrella insurance.

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