Living in Nevada, you may like to visit one of the many casinos to have a little fun. However, your Nevada car insurance may be one thing you don’t want to take a gamble on. Read on to learn some of the basics of finding the best Nevada auto insurance policy and see if when you are done if you just can’t find the cheapest Nevada car insurance rate!
Nevada Auto Insurance Laws
The state of Nevada uses a Tort system of law in regards to car accidents. This means that someone must be found to be at fault in the cause of a car accident. The person found to be at fault and their insurance company are responsible for all the damages as a result of that accident. Tort systems vary from state to state, so to find out more about how the Nevada Tort system works, you may want to contact the Nevada Division of Insurance by visiting their website or visiting one of their offices located in Carson City and Las Vegas.
Nevada Minimum Auto Insurance Requirements
The state of Nevada requires that you carry bodily injury liability car insurance in the minimum amount of $15,000 per person and $30,000 of combined medical expenses for all of the car’s occupants. This means that if you or another driver listed on your car insurance policy is found to be at fault in an accident resulting in injuries or death, that items such as medical expenses, lost wages, pain and suffering, and legal defense.
Nevada also requires that you have a minimum of $10,000 of property damage liability. Property damage liability will pay for damage caused to someone’s personal property, such as a fence, car or home, and legal costs associated with the damage up to $10,000 if you’re found to be at fault in such an accident.
Note that these are just the minimum amounts of car insurance required by Nevada state law. You may want to increase the amount of coverage for added security and protection, as you might be held financially responsible for any medical or repair costs above your car insurance policy limits.
Compare Nevada Car Insurance Quotes Online
So it might not be wise to gamble with your car insurance coverage if you live in Nevada. Take some time and do a little research. Shop around and compare rates, coverage, and car insurance companies. With over 50,000 miles of paved road in Nevada, you could have a lot of driving to do, so don’t leave yourself and your family unprotected. Give yourself some peace of mind in knowing that, in the event of an accident, you’re covered.