Does Utah Require Classic Car Insurance?

Posted on by admin

If you love your classic car, you are like many others in the Mapleton, UT area. Maple Mountain Insurance Services works with many people who own classic cars and enjoy taking them out for a spin here and there. If this sounds familiar, you might wonder what kind of insurance is necessary for this kind of vehicle.

So, does the state require classic car insurance? What do you need to have to protect yourself and your vehicle?

Utah Requires Liability Insurance

Whether you drive a classic car or a modern vehicle, you need to have liability insurance. This coverage is a requirement in the state and in most other states as well. You may be able to qualify for a classic car plan, which assumes you drive your car much less than the average driver who uses their vehicle to commute to work or go on long road trips.

Protecting the Value of Your Car Is Smart

While you may not need to have comprehensive coverage for your classic car, having more coverage is more likely to protect the value of your car. You don’t want to leave anything to fate, and insurance helps you with this. Look for classic car coverage that also covers your vehicle when you take it to shows and for those times it is parked and uncovered.

Get the Coverage Your Classic Car Deserves

Maple Mountain Insurance Services, which serves Mapleton, UT, understands your goals as a classic car owner. You want to find a good compromise of coverage and practicality. Choose the right plan for your classic car to ensure that you meet the state’s requirements.

4 Benefits of RV Insurance

Posted on by admin

Taking a trip around the country in the convenience of a home is a dream come true for many. Oh, how fun! Recreational vehicles (RVs) have made this possible. Any car that can be termed as recreational, no matter the type, needs ample protection, and RV insurance is that protection that every RV owner needs to purchase.

When you purchase RV insurance from Maple Mountain Insurance Services, you enjoy the following benefits:

Liability protection

Accidents happen every time, even if you are a careful driver. And when you are liable for an accident, and you cause bodily injury or property damage, it could cost you thousands of dollars. Think of legal costs if you got sued or hospital bills. But with RV insurance, your expenses are sorted out.

Asset protection

RVs are not cheap. When you are purchasing it, you are buying a significant investment. Unfortunately, an unforeseen incident like an accident, hail, or fire can damage your investment. Without RV insurance, this could cost you a fortune to replace. However, when you have RV insurance, it takes care of damages to your RV.

Compliance with the law

If you are driving a motorized RV, it’s mandatory to carry RV insurance. You need at least liability coverage to get you on the road. Failure to comply with the law can have you pay heavy penalties and, worse, your license revoked.

Peace of mind

There is no better feeling than peace of mind while you are on that road trip. Roads are full of risky incidences, like speeding drivers, drunk drivers, or even uninsured drivers. RV insurance keeps you relaxed in your adventure, knowing that you are well covered. 

RV insurance in Mapleton, UT

While an RV comes with lots of fun, insuring it is one critical thing you should not forget. With all the benefits associated with RV insurance, it’s a worthwhile investment. To that end, if you are in Mapleton, UT, and its environs, contact Maple Mountain Insurance Services for an affordable quote.

Is Motorcycle Insurance a Necessity?

Posted on by admin

Just like your car, insuring your motorcycle is equally important because your bike faces the same risks as your car. Talk of accidents, theft, fire, vandalism, and natural disasters; the danger is never far from your motorcycle. Speaking of motorcycle insurance, it’s even more critical for your bike since the risk of riding is more than driving. So, if you have been asking whether motorcycle insurance is necessary, listen to what Maple Mountain Insurance Services of Mapleton, UT has to say.

Liability coverage

Riding is pleasurable, but this may not be the case if you are deemed liable for an accident. When you cause an accident, you may face bodily injury and property damage costs that are costly when you don’t have motorcycle insurance. While there are state-required liability coverage minimums, most riders opt for higher limits to get optimal protection.

It’s required

Like auto insurance, Utah requires riders to carry motorcycle insurance whenever riding on public roads. If you are caught riding without motorcycle insurance, you may face fines and penalties, including license suspension.

Protects your bike

Whether you have parked or riding your bike, there is always a danger. From accidents, fire, theft, vandalism to falling objects, risks always lurk around your bike. For this reason, you need motorcycle insurance to replace or repair your bike when danger strikes. 

Medical payments

When you are involved in a motorcycle accident, the chances of incurring severe injuries are high. Without a health insurance plan, you could face costly medical bills. The good news is that including PIP or MedPay coverage on your insurance covers medical costs and partial loss of income.

Buy motorcycle insurance today!

By now, you understand why it’s important to have a motorcycle insurance policy. If you are in Mapleton, UT and its environs, please get in touch with Maple Mountain Insurance Services for an affordable quote.

What Does Boat Insurance Cover?

Posted on by admin

Insurance is meant to protect your valuable assets, including your boat. And as you plan to have a good time cruising in it, do not forget boat insurance. Boat owners often wonder how necessary boat insurance coverage is or what it protects. If you are in the same boat, the Maple Mountain Insurance Services of Mapleton, UT takes you through what is covered under boat insurance.

Physical Damage

This type of coverage protects your boat against common risks like theft, fire, sinking, and collision. It also helps protect your boat, whether it is on land or at sea. In most cases, the property covered varies, but one’s policy can cover components like anchors, motors, batteries, and safety equipment like fire extinguishers and floatation devices.

Liability Coverage

If your boat causes damage to other boats or structures, this kind of coverage helps cover any resulting expenses you may incur. Liability coverage protects you against lawsuits, including the payment of legal fees or any settlement. However, when getting boat insurance, first talk to your agent to ensure you are buying the proper coverage.

Medical Payment Coverage

Your boat may get into an accident leading to either you or the passengers getting injured. This type of policy helps cover medical expenses like X-rays, medication, and hospital bills.

Uninsured Boat Coverage

What if you get into an accident with an uninsured boater and your boat gets damaged, or you get injured? Uninsured boat coverage can help cover the expenses arising from an accident.

Are you a boat owner in Mapleton, UT? If you consider how hard you have worked to own that boat, you should do everything in your power to protect it. That is why you need insurance to safeguard it against various risks. Contact us at Maple Mountain Insurance Services today, where we can help you select the right coverage for your boat.

Why Umbrella Insurance Is An Asset If You Are Planning A Social Gathering

Posted on by admin

Maple Mountain Insurance Services provides coverage to the Mapleton, UT community. We look at our clients like family, so we are committed to helping them find the coverage they need to protect what matters most. We offer custom policies designed to address each of our client’s unique situations. We are confident that we can help you find the right policy.

Why Umbrella Insurance Is Necessary If You Are Planning A Social Gathering

Accidents and emergencies can occur when you least expect them. While liability insurance is effective in most of those situations, there are times when an extra layer of protection is necessary. If you are involved in a serious liability dispute, you could lose everything. Umbrella insurance can help you protect your assets and avoid disaster. Generally, it is added to supplement your home and auto insurance policies.

If you enjoy having guests over to your Mapleton, UT home, umbrella insurance is a valuable asset. While social gatherings are fun, they are also relatively risky because the potential consequences may leave you open to a liability dispute. Perhaps one of your guests is accidentally injured. Maybe they slip and fall, spraining their ankle. Perhaps the refreshments at your social gathering cause one of your guests to have an allergic reaction. If you are serving alcohol at a social gathering, it’s not uncommon for someone to drink too much and cause damage or possibly injure themselves. In more severe cases, consuming too much alcohol could lead to an auto accident. These are situations that you have to think about. You will be held liable if something goes wrong. However, umbrella insurance adds another layer of protection while you deal with the aftermath.

Maple Mountain Insurance Services Will Help You Protect Your Assets

Visit our website to learn more information about umbrella insurance.

Is flood insurance in Mapleton necessary?

Posted on by admin

When you live in the Mapleton, UT area, owning a home is a great option. With a home that you own, you will have a stable place to live and can enjoy long-term price appreciation. Those that would like to purchase a property in this area should get proper insurance at all times. For some in this area, proper insurance will need to include flood insurance. There are a few reasons why this coverage could be necessary here.

Coverage Will Protect Home Against Flood Damage

The risk of flood damage is something all property owners in Utah need to take seriously. If your home is at risk due to a local lake, river, or other hazards, you may receive only limited coverage through a home insurance plan. With flood coverage, you will know you have the protection needed to repair your home if it is severely damaged.

Coverage Could be Required

You may also need to have flood insurance if it is required by a mortgage lender. Those that have a home in a designated flood zone could have strict requirements in place surrounding insurance needs. A mortgage lender will want any borrower to maintain proper flood insurance as it will ensure their collateral is covered. Many lenders will also require that you establish monthly escrows to ensure payments continue. 

There continues to be a significant need to have flood insurance for some people in the Mapleton, UT area. If you need to have this coverage or are trying to determine if it is a necessity, it would be wise to call Maple Mountain Insurance Services. The insurance team with Maple Mountain Insurance Services can give you great support when trying to determine your flood insurance needs. This can help ensure you get into a new plan that offers the ideal protection. 

A Look At Universal Life Insurance Policy

Posted on by admin

Maple Mountain Insurance Services provides coverage to Mapleton, UT residents. We are committed to helping our clients find policies to prepare for life’s most unexpected situations. We offer custom policies to ensure that you will find the coverage you need regardless of your situation.

A Look At Universal Life Insurance Policies

Life insurance helps you leave a legacy for your loved ones after you have passed away. Thinking about the afterlife is an uncomfortable topic for everyone.  However, through your life insurance policy, you can help make things a little easier for your loved ones. One of the more common types of life insurance is universal coverage.

Universal life insurance is permanent coverage. However, you will have to adhere to the guidelines in order to maintain full coverage. The policy does include death coverage so that your loved ones can make arrangements for your funeral. The death coverage can give your loved one’s peace of mind that your funeral arrangements in Mapleton, UT will be taken care of.

Universal life insurance policies also allow your assets to grow. You can adjust the terms of your policy if your situation changes. If you have an emergency, you can withdraw some assets on your policy. Flexibility is considered a real asset. However, it’s important that you continue to adhere to the guidelines. You have a grace period regarding your policy, but you need to analyze your policy before making any decisions. Universal life insurance differs from term life because you are ensured of having permanent coverage as long as you meet the terms of the policy. Universal life policies are also known for their flexibility. You can alter your coverage compared to term life or even more structured whole life policies.

Maple Mountain Insurance Services Will Help You Stay Protected

Visit our website today to learn more information on life insurance.

What Utah Residents Should Know About Auto Insurance

Posted on by admin

Auto accidents can occur as a result of many factors. One such way is you getting distracted by Utah’s stunning landscape and end up crashing into someone’s car. Utah uses a no-fault system for car insurance, meaning that you will make a claim to your insurance regardless of who is at fault. 

Utah drivers know that auto insurance is mandatory, but are they aware of the different car insurance types? When you partner with Maple Mountain Insurance Services located in Mapleton, UT, they will help you understand the below auto insurance options.

Utah requires drivers to buy liability coverage that covers a minimum of the following:

  • $25,000 bodily injury per person
  • $65,000 bodily injury per accident
  • $15,000 property damage per accident

Furthermore, Utah requires drivers to purchase personal injury protection (PIP) with a minimum limit of $3,000. PIP covers accident-related medical costs regardless of who was at fault. PIP also coves part loss of income.

If you are looking for maximum auto protection, you have to look beyond the minimum covers. Why? In the case of a severe accident, your minimum policy limits are likely to run out, forcing you to cover uncovered losses from your pocket. 

That said, you need to explore the below auto insurance options for your vehicle:

  • Collision and comprehensive insurance: Although PIP and liability insurance seems to cover much, they don’t provide any coverage for damage to your car. Collision insurance comes into play when someone crashes into your car or for your mishaps like reversing into a post. 

Comprehensive cover extends beyond collision and protects your car from theft, vandalism, falling objects, fire, and some natural disasters like floods and hail.

  • Uninsured & underinsured motorist insurance: Uninsured drivers can leave a trail of unpaid accident expenses on their way. They have insufficient coverage to cater for accident-related damages and medical costs, forcing other motorists to buy extra insurance.

Need more information on auto insurance? Please contact Maple Mountain Insurance Services located in Mapleton, UT, for comprehensive auto insurance tips. Wondering whether you should buy all auto insurance plans? Don’t worry. We offer customized auto insurance coverage that is unique to your needs.                        

How commercial insurance benefits my small business

Posted on by admin

In Utah, more than 99% of all businesses are defined as small businesses. Almost 50% of employees work for small businesses. As a small business owner, you know what it takes to make a success of your business and all the risks you face. Mitigating those risks is what Maple Mountain Insurance Services in Mapleton, UT specializes in. We will help you to customize your commercial insurance policy to fit your needs. We are the local experts on all insurance products and we are happy to provide our customers with the benefit of our experience. 

In the event a covered peril hits your business, having commercial insurance will be a tremendous benefit. Commercial property insurance will help you to get your building repaired. It not only covers repairs to the physical building but it will help you get back to business with the equipment you need to conduct your business. If your machinery is destroyed or damaged, if you lose your office equipment, if your inventory and raw materials are damaged commercial property insurance will help to replace them and get you back into a position where you can get back to work. 

While your business is not functioning, commercial business interruption insurance will help to keep you afloat. It allows you to meet your operating expenses that don’t go away just because you can’t do business. It will help pay your bills, your employee’s salaries, and even your salary. 

If someone is injured while visiting your business, by a product you produce or a service you perform, they may sue you. Commercial liability coverage will help you with legal costs as well as a judgment against you. 

Small businesses face many risks. Commercial insurance can make the difference between being able to continue and having to close. Contact Maple Mountain Insurance Services in Mapleton, UT for all your insurance needs.

Should I get health insurance when I am in Mapleton?

Posted on by admin

People that live in the Mapleton, UT area have a lot of insurance needs, which are designed to provide important forms of protection. One of the most important forms of insurance that someone here could get is health insurance. When you are going to get health insurance, you can benefit in several ways, which will continue to make it an ideal investment and option for you.

Insurance Gives Coverage for Major Medical

A key reason anyone in Utah should get health coverage is that they will receive protection against major medical events. If you are ever seriously hurt or injured, the costs associated with it can be significant. Fortunately, you will be able to offset this risk if you invest in health insurance. With health coverage, your out of pocket costs will be limited to a certain level each year, which could cut down on your personal charges. 

Insurance is a Legal Obligation

While it was not always the case in the past, people all over the country today are obligated to carry health insurance. When submitting your taxes at the end of each year, you will be required to provide proof that you had and maintained coverage for the entire year. If not, there are penalties that could be applied. 

When you are shopping for your next health insurance policy and are in or around Mapleton, UT, it could be helpful to contact Maple Mountain Insurance Services. When you are working with Maple Mountain Insurance Services you are going to learn a lot about how health insurance can benefit you. The insurance professionals here can help you then build a plan that will give the right protection to you and anyone else that you want to be covered and protected under it.