If you living in Nevada, you wish to visit one of the various casinos to have a little fun. But, your Nevada auto insurance could be one factor you do not want to take a gamble on. Read on to find out some of the fundamentals of finding the best Nevada auto insurance policy and see if once you are done if you just cannot find the most affordable Nevada auto insurance rate!
The state of NV uses a Tort system of law in regards to auto accidents. This suggests that someone should be found to be at fault in the cause of a vehicle accident. The person found to be at fault and their insurance company is liable for all the damages as a result of that accident. Tort systems may be different from one state to other state, therefore to find out a lot of about the Nevada Tort system way of works, you will be able to contact the Nevada Division of Insurance by going to their site or you can go to one of their offices that located in Las Vegas and Carson City.
The state of Nevada requires that you carry bodily injury liability auto insurance in the at least $15,000 per person and $30,000 of combined medical expenses for all of the vehicle's occupants. This suggests that if you or another vehicle owner listed on your auto insurance policy is found to be at fault in an accident resulting in injuries or death, that things such as medical expenses, lost wages, pain and suffering, and legal defense.
Nevada additionally requires that you have at least $10,000 of property damage liability. Property damage liability pays for damage caused to somebody's personal property, like a fence, vehicle or home, and legal costs associated with the damage up to $10,000 if you are found to be at fault in such an accident.
Note that those are just the minimum amounts of auto insurance required by Nevada state law. You can wish to extend the amount of coverage for added security and protection, as you may be held financially liable for any medical or repair prices above your auto insurance policy limits.
So it could not be wise to gamble with your auto insurance coverage if you reside in Nevada. Take your time and do a little analysis. Shop around and compare rates, coverage, and auto insurance providers. With over 50,000 miles of paved road in Nevada, you may have many driving to do, therefore do not leave yourself and your loved ones unprotected. Let yourself some peace of mind in knowing that, in the event of an accident, you are covered.
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