Frequently Asked Questions

IMSC Offices most asked questions about Insurance

Below are some basic questions and answers that might help you answer your questions more quickly.

Auto Insurance

We understand that getting an auto insurance quote is an important step in protecting your vehicle and ensuring your peace of mind. Our network of independent agents is ready to assist you in finding the right coverage options for your specific needs and budget. Don’t hesitate to connect with an agent who can guide you through the quote process and address any questions or concerns you may have.

All insurance policies are obtained through independent agents who represent IMSC. To receive a quote, you can reach out to IMSC at any time.

When it comes to choosing the right insurance coverage for your car, there are several factors to consider. These factors include the type of vehicle you drive, the number of people you expect to have in your vehicle, and your financial situation. It is important to regularly review and adjust your coverage as your circumstances and the world around you change.

At IMSC, we understand the importance of finding the appropriate coverage for you and your family. That’s why your IMSC agent is available to assist you in determining the best coverage options that meet your specific needs.

Whether you are an existing customer, interested in exploring other options, or simply seeking another opinion, we encourage you to consult with us at no cost or obligation. Our team is here to help you make informed decisions about your insurance needs. We will provide guidance, answer any questions you may have, and ensure that you have the coverage that aligns with your unique circumstances.

Your peace of mind and protection are our top priorities. Please don’t hesitate to reach out to us for personalized assistance and support with your car insurance coverage.

In Utah, it is a legal requirement to maintain no-fault (or 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 responsible driver and vehicle owner in Utah, it is your responsibility to ensure that any vehicle you drive in the state is adequately insured. It is also important to note that insurance companies offering motor vehicle insurance policies in Utah must provide coverage that meets or exceeds the mandatory minimum limits.

Driving without insurance or allowing your insurance to lapse is considered a Class B misdemeanor in Utah. This offense can result in fines, as well as suspensions of your license and vehicle registration. Restoring your driving privileges can also be quite expensive. Additionally, if you have a loan on your vehicle, your lender likely has insurance requirements that must be met. Failure to meet these requirements may result in additional charges for you.

Complying with insurance requirements in Utah is crucial to avoid legal consequences and financial hardships. It is essential to ensure that your vehicle remains properly insured at all times. We recommend consulting with your insurance provider to understand the specific coverage limits and obligations that apply to your situation.

By adhering to the insurance requirements and maintaining appropriate coverage, you can drive with peace of mind, knowing that you are complying with the law and protecting yourself financially in the event of an accident or other unforeseen circumstances.

To receive an insurance quote, we suggest that you provide the following information as a minimum requirement:

  • Name and date of birth: Please provide the name and date of birth for each driver who will be included in the policy.
  • Vehicle Identification Number (VIN): If available, please provide the 17-digit VIN for each vehicle you wish to insure. If you don’t have the VIN numbers, you can provide the year, make, model, and trim level of the vehicles.

In addition to the minimum requirements, your agent may ask for additional information to ensure an accurate quote. It’s important to note that this information will also be necessary if you decide to proceed with purchasing insurance from us. The additional information may include:

  • The driving history and driver license number for each driver.
  • The name of the lienholder (if applicable) for any vehicles that have a loan.
  • The 17-digit VIN for each vehicle you want to insure (if not previously provided).
  • Any existing damage to a vehicle that needs to be disclosed.
  • If not all drivers reside in your home, such as a student away at school, it would be helpful to have the additional address(es) available.

By providing this information to your agent, we can offer you the most accurate quote possible. Our goal is to ensure that you receive a quote tailored to your specific needs and circumstances.

If you have any further questions or require assistance in obtaining a car insurance quote, please don’t hesitate to contact us. Our team is here to help and provide you with the necessary information to make an informed decision.

Homeowners & Renters Insurance

To receive a quote for homeowners insurance from IMSC, we recommend reaching out to one of our trusted independent agents.

Our network of independent agents is dedicated to providing personalized service and helping you find the right coverage for your home.

When you connect with an IMSC agent, they will guide you through the quoting process, taking into account your specific needs and preferences. They will gather the necessary information to provide you with an accurate and tailored homeowners insurance quote.

At IMSC, we believe in the value of working with independent agents who understand the local market and can offer personalized advice. We encourage you to take advantage of this service and connect with an agent to receive a homeowners insurance quote that meets your requirements.

Homeowners insurance provides coverage for repairs or replacements to your home’s structure and belongings. It also offers protection if you are found liable for injuries to others or damage to their property.

Standard home insurance policies are designed to safeguard you against specific types of damage. These typically include events like fire, theft, vandalism, and certain natural disasters. However, it is important to note that coverage can vary depending on the specific policy.

At IMSC, we understand that every homeowner’s needs are unique. That’s why we offer the flexibility to custom tailor your policy with additional coverage options to suit your individual circumstances. By working with your trusted independent IMSC agent, you’ll gain a deeper understanding of the coverage that best fits your needs.

Your independent agent will serve as a valuable resource, providing expert guidance and answering any questions you may have about homeowners insurance. They can help you assess the risks you face and recommend appropriate coverage options to ensure you have the protection you need.

When you work with IMSC, you can have confidence that your home and belongings are safeguarded, giving you peace of mind knowing you are financially protected in case of unforeseen events.

To receive a quote for Renters Insurance from IMSC, we recommend reaching out to one of our trusted independent agents.

When you contact an IMSC agent, they will guide you through the quoting process, taking into account your specific needs and preferences. They will gather the necessary information to provide you with an accurate and tailored Renters Insurance quote.

At IMSC, we understand the importance of protecting your personal belongings and liability as a renter. We encourage you to take advantage of our independent agents’ expertise and reach out to them for a Renters Insurance quote that meets your requirements.

By working with a IMSC, you can have confidence that your rental property is adequately protected, giving you peace of mind knowing you are financially safeguarded in case of unforeseen events.

The cost of renters insurance premiums can vary and is determined by several factors. These factors include coverage limits, deductibles, and the location of your rental property.

To get an accurate price quote based on your specific needs and situation, we recommend reaching out to your independent IMSC agent. They have the expertise to assess your requirements and provide you with a personalized quote.

Your agent will take into account factors such as the value of your belongings, the level of coverage you desire, and any additional coverage options you may need. They can guide you through the process of selecting the appropriate coverage limits and deductible options that fit your budget and provide the necessary protection.

At IMSC, we understand the importance of finding affordable renters insurance that meets your needs. By working closely with your agent, you can obtain a quote that reflects your unique circumstances and ensures you have the right coverage in place.

Earthquake Insurance

Your independent IMSC agent can help you in obtaining this type of coverage for your property. While there may be certain underwriting guidelines that determine the availability of earthquake insurance, your IMSC agent can assist you during the process of obtaining a new policy quote or adding earthquake coverage after.

They have the knowledge and expertise to guide you through the necessary steps and ensure that your property is adequately protected against earthquake damage.

Earthquake insurance is additional insurance for a specific risk type (earthquakes). It provides coverage in the event that your home is damaged by an earthquake.

Unlike a standard homeowner policy, which does not cover earthquake damage, earthquake insurance steps in to protect your property to ensure your peace of mind.

Earthquake insurance may cover various aspects, including:

    • Repairs to Your Home: If your home sustains damage from an earthquake, the insurance policy can help cover the costs of repairing the structural damage.
    • Personal Property: Earthquake insurance also provides coverage for your personal belongings that may be damaged as a result of an earthquake.
    • Debris Removal: In the aftermath of an earthquake, there is often a need to remove debris. Earthquake insurance can help cover the expenses associated with debris removal.
    • Additional Living Expenses: If your home becomes uninhabitable due to earthquake damage and you need to live elsewhere temporarily, earthquake insurance can help cover the extra living expenses you may incur during this time.

It’s important to review the specific details of your coverage by referring to your official policy documents. For a better understanding of your coverage needs and policy details, your independent agent can provide valuable guidance and assistance.

Earthquake insurance operates differently compared to other insurance policies. Here’s how it typically works:

  • Deductible: The deductible for earthquake policies is based on a percentage of the coverage amount for the structure (Coverage A) or personal property (Coverage C), whichever is greater. Check your homeowner policy for the specific deductible details.
  • Coverage Threshold: Earthquake insurance only pays for damages that exceed the deductible. Any damages below the deductible amount are typically not covered.
  • Separate Deductibles: Depending on your policy, there may be separate deductibles for different components such as contents, structure, and unattached structures like garages, sheds, driveways, or retaining walls.

It is essential to review your policy and consult your independent IMSC agent for a comprehensive understanding of how earthquake insurance works and the specific deductible amounts for different aspects of coverage. We can provide the necessary information and answer any questions you may have.