Nevada Car Insurance
There are 2 types of Nevada car insurance you are required to have in the state of auto insurance. These are bodily injury liability and property damage liability.
- Bodily Injury Liability
Bodily Injury Liability insurance protects you from financial loss when you are at fault in an auto accident. It covers the medical expenses of people who are injured as a result of your driving. The minimum amount is $15,000 per person, and $30,000 per accident. This minimum amount means that you must have this much liability in order to legally drive. The insurance company will cover all medical expenses up to these amounts. Any amount over your liability limit will be your responsibility to pay. It is recommended that you increase this amount, because as you can see, this is not very much coverage, and it could leave you on the hook for a large bill!
- Property Damage Liability
Property damage liability covers damages you cause to others property (mostly their car) when you are at fault for an auto accident. The minimum amount required is $10,000 and just like bodily injury liability, any damage over you liability coverage will be your responsibility to pay. So it is wise to increase this amount to fully protect your self. Increasing these amounts will increase your insurance premiums, but it is better to pay a little bit more per year then have to pay a lot more when you have an accident that goes over your liability coverage. To see how much increasing your liability will increase your premiums, get an
online Nevada auto insurance quote
.
Lastly, property damage liability does not cover damages to your car. For that coverage you will need
comprehensive and collision coverage
.
Other Insurance
There is also uninsured motorist Nevada car insurance available. This protects you when you get involved in an accident with a motorist who does not have insurance. It is not mandatory in the state of Nevada, but it may be beneficial to you.
You can also purchase some form of medical coverage, to cover injuries to yourself when you are at fault in an accident. You injuries are not covered by your bodily injury liability insurance, so it is wise to have some form of medical coverage to cover the costs of your injuries.
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