Bodily Injury Requirements in Nevada
In each state you'll be required to carry the minimum limits of bodily injury liability under your auto insurance policy. This coverage will provide insurance for another driver's medical expenses when you're at fault.
In Nevada, you'll need at least $25,000 per person and $50,000 per accident in bodily injury liability. Many insureds opt for higher limits of coverage to ensure they are fully protected.
Property Damage Requirements in Nevada
Property damage liability will help pay for damage you have caused due to an at-fault auto accident. In Nevada, each driver is required to carry $20,000 in property damage liability or more.
If a collision occurs and you're responsible for the loss, you'll have to pay out of pocket if you're not insured properly. In most cases, $20,000 won't get you very far with the high price of vehicles on the road today.
Medical Payments Coverage Requirements in Nevada
There are some states that require personal injury protection, or PIP, which can help pay for your medical expenses when you're in an auto accident. However, Nevada does not mandate PIP in order to drive.
There is another coverage called medical payments that will do a similar thing and pay for your injuries due to an at-fault loss. This can be included under your car insurance for an additional premium.
Uninsured Motorist Coverage in Nevada
Uninsured motorist coverage is another limit that some states make mandatory under your auto policy. This coverage helps pay for your expenses when an uninsured driver causes an accident.
While you're supposed to have minimum limits of car insurance, not every one follows the rules. In fact, 10.6% of Nevada drivers currently are without coverage. You can obtain uninsured motorist protection for an extra fee to have sufficient policy limits.
Optional Car Coverage in Nevada
When it comes to Nevada car insurance, you'll have options on extra coverages for added protection. Collision insurance and comprehensive insurance are commonly obtained limits, and help pay for damage to your vehicle when a collision takes place.
Other coverages, like rental car insurance, pays for a replacement vehicle when your auto is in the shop due to a covered claim. Another handy limit to have is roadside assistance that helps with a tow or tire change when you need it most.
Car Insurance Discounts to Ask for in Nevada
When it comes to discounts on car insurance, your agent can help you decipher which you qualify for with your carrier. Most insurance companies will have a significant multiple policy discount when you put all your coverage with one company.
In Nevada, you may be able to obtain an association discount when you belong to a teachers union, attorney group, or government agency. For being a loyal customer, you can often qualify for a 10% discount on coverage, as well.
How to File a Car Insurance Claim in Nevada
Filing a car accident can be a real hassle if you're not prepared and unsure of what to do. Take a look at these four easy steps for reporting a car insurance claim in Nevada.
First, ensure everyone is safe and all injuries are tended to by a medical professional. Second, call your independent insurance agent and report the accident and obtain your claim number. Third, get a replacement vehicle if coverage allows and it's necessary. Last, set a meeting with your adjuster to go over damage and injuries so you can collect payment.