In the state of Nevada, you are required by law to maintain certain levels of auto insurance coverage. The Auto Insurance in Las Vegas NV that you have will still be a highly individual thing based on your own needs, but this article will focus upon exactly what you need to have. As a bonus, we will be talking about some other non required coverage types that you might find helpful as well.
According to the state law in Nevada, you must maintain bodily injury liability coverage of $15,000/$30,000. The $15,000 figure applies to accidents in which one person is injured (not you, but another driver you are responsible for hurting in an accident.) The $30,000 figure applies to accidents in which two or more people are hurt in an accident caused by you. While these are the minimum levels required by law, you are of course able to secure additional coverage if you wish.
The state of Nevada also requires you to maintain $10,000 in property damage liability coverage. This is going to apply in situations where you damage another person’s vehicle. This minimum is a very low one as compared to other states in the United States, thus Nevada drivers often have a special advantage in terms of having lower monthly payments on their policy if they choose to go with minimum coverage only.
You might also want to consider other types of vehicle and personal coverage that will protect you personally. Your car is completely uncovered if you only go with basic liability coverage discussed above, thus you might want to get some collision coverage that could help you pay for car repair or replacement. Similarly, you are not covered for physical damages with the minimum liability coverage discussed above, so you might want to consider comprehensive coverage and medical payments coverage to take care of situations like those.
If you want to maintain a complete insurance policy that covers not only the basics but also the “just in case” things, you can probably do some more cheaply than you might imagine. Talk to your local agent about what policy structure and deductible would help you get the coverage you need!
