Nevada Auto Insurance Basics

Cruising down Las Vegas Boulevard while being distracted by the bright lights, beautiful women and assorted strange characters leads to thousands of automobile accidents every year. In surrounding areas like North Las Vegas and Henderson, the streets are crowded with careless drivers. If you drive anywhere in Nevada, you must have car insurance.Nevada auto insurance laws are quite strict. The state has an Insurance Verification Program that links the Department of Motor Vehicles to insurance companies in Nevada so they can keep track of anyone who is not currently insured.

Like most states, Nevada imposes mandatory minimum insurance requirements for all drivers. Bodily injury coverage is set at $15,000 per individual or $30,000 per accident. Property damage liability is required in the amount of $10,000.

Bodily injury coverage will compensate others who are injured or killed as a result of an accident that was your fault. Property damage applies to any damage or destruction of another party’s personal property that was a result of your negligence. An insurer will pay off up to the amount of your coverage. Anything above that amount will be your responsibility.

The state does not require you to carry mandatory comprehensive or collision coverage, although, if you finance a car, the lender will probably demand that you do carry these optional types of coverage. While some insurance might be optional or required in only minimal amounts, the prudent driver will purchase enough insurance so that they are well protected in the event of an accident.

Many people are confused about the type of coverage they really need. They are also not sure where to buy insurance that will provide the best coverage at the lowest possible premiums. Visiting an Independent Agent like Nevada Docs Agency, LLC can help you understand your insurance needs and allow you to compare quotes among a number of the leading auto insurers in Nevada. Using an Independent Agent costs nothing and can wind up saving you a lot of money on your next Nevada car insurance policy.

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