Bear River Mutual Insurance Reviews, Phone Number & Contact Details

You guys do an amazing job this was my first claim in my 16 years of driving an I could not been more happy with your company.

I wish I could have found you guys years ago, by far the best insurance company I have had, an I have had many others, from that annoying lady in white to the lizard an the emu an by far the BEAR has kick all of there a** . Thank you very much

I will miss my car forever A8

Bear River Insurance is the only company that I am comfortable in recommending! They have always been courteous and willing to listen and assist to obtain the best results for their customers!

***** High 5 to Bear River and its trusting staff!

I have NEVER written a negative review before. This is my first time. I am so frustrated and disappointed in how we are being handled by Bear River Mutual in regards to a home owners claim. It is causing us financial hardship because we made decisions based on what our adjuster told us and then he later tells us something different. That is when we can get him to actually respond or follow through. I will be adding more detail to this review later because the story is awful. We are still in the thick of it though. Lets suffice to say that they have not made us whole in any way and I feel they have not fulfilled their contract. We have been customers of theirs for over 25 years with both auto and home. Right now, I would not recommend them to anyone.

It’s a company that really cares about their customers. My claim was handled quickly and smoothly. I couldn’t take it to the body shop recommended becaue there was no available schedule soon, so I picked up my own shop that did it fast with the check that was sent promptly also.

So overall it was my first claim ever and it was good.

Bear River is the best full service home and auto insurance company for cost and service in Utah, bar none. I’ve insured with them for over 40 years and my kids in Utah have their home and auto insurance with them too. I’ve had several claims and every one has been handled with maximum benefit to me, fast service and no hassles about full coverage. There might be a cheaper company somewhere, but I wouldn’t switch because I know BR will always pay, settle quickly and give maximum coverage.

Not a customer I have a claim against one of their clients. Have just a small damage on a fender bender (check the pictures). We used their recommended shop to do the work. The shop had disassembled the vehicle to do the work then Bear River determined it to be a total loss. BRM low balled the valuation I later found out that BRM uses a third party to do valuations. In fact the third party doing the valuation sampled cars in Wyoming Nebraska North and South Dakota. Initially, my wife was trying to deal with this as it seemed to not be too complex. But when they adjuster called and told her they weren’t going to fix the damage that they were considering a total loss. I got involved and tried to get answers why they considered it a total loss when they average price being sold on the open market was clearly more than 25 percent more than the cost of repair. I had to ask to speak to the adjuster, Brad’s supervisor. After a long conversation with this supervisor he relented to raise the valuation to about 32 percent above the repair cost. Initially I agreed to accept an offer that would have deemed the vehicle salvage even though the vehicle did not meet the criteria for salvage but was being done on the whim of the adjuster. When I took time to do a deeper more accurate valuation of your car I found it is worth even more considering the popularity and reliability of the vehicle.This was ignored claiming it wasn’t relevant. When I asked about BRM paying to assemble the vehicle the adjuster supervisor refused to put any more money into the car. I checked with my insurance to find out if they should pay for them assembly considering it was done on their instructions to their preferred repair shop. I went to the repair shop and spoke to the repair manager about the car. He was surprised that BRM were totaling the vehicle and said they had permission to disassemble in preparation for them repairs. After meeting with the repair shop and discussing it with my insurance I decided that I was right to insist the car be assembled and paid for by BRM. I went to BRM office to request they pay for them assembly and I would have accepted the salvage status of the car. It was here that I realized that the claims adjuster I had worked with would never negotiate basically saying no for any request. I reviewed the valuation it seems that he may not have even looked at a picture of the damage. Had he looked at just one he would understand why I didn’t believe they were going to total the car. I decided to refuse their offer realizing that I was giving up too much for such a simple repair.

I am now going through my insurance to get the claims handled. I will update this once finished but so far my insurance has confirmed that in any case Thai car will be assembled without me paying to have it done if work is denied or the vehicle gets totaled. The adjuster is already looking at the valuation I submitted and considers the value to be enough not to total the car. Our only expectation is to get out car repaired not to have to go through this hassle. I assume that BRM is trying to save a much money as possible by low balling and refusing negotiations. But its is costing them credibility. I recommend staying far away from these guys. For insurance or otherwise. I don’t wish to say that all employees are like this but then two I dealt with don’t leave a positive image with me. I will however, say the receptionist was pleasant to deal with. She was much different than either of the adjusters I dealt with.