Car Insurance Guide for the US state of Nevada
Each year, most of us who lawfully drive around the state of Nevada need to sort out our auto insurance renewal.
Have you ever had to make a claim? Out of those of you that can answer yes, I bet there is a fair number of you that were disappointed with their insurer – some of you will have had to chase the insurance company, some of you will no doubt have had to battle with the insurer about the costs, I bet most of you will have found it stressful.
In its annual report of 2008, The National Association of Insurance Commissioners report revealed that the average premium per vehicle in Nevada state was $1,137 annually, whilst passenger car insurance for the remaining states was significantly less at only $937 per vehicle.
Since car insurance is more expensive for those of us who happen to live in Las Vegas or somewhere else in Nevada, we need to make sure we get a good deal for our money.
To secure both a good policy and also to get a good deal for their money, consumers must take care and purchase an auto insurance policy that makes sense and value for them. A good policy can be considered one that meets your minimum liability as a road user and also provides other levels of cover that you require without quibbles or problems from the insurance company should you need to make a claim.
Bodily injury and property damage cover can be purchased as what is known as split-limit cover or combined single-limit cover. If you choose to pay for a combined single limit, then the figures for property damage and bodily injury are combined ie. $40,000 is the minimum (required under Nevada law) combined single limit for all property damage and bodily injury.
Comprehensive and collision cover are not required by law in the state of Nevada and is generally unavailable for some ie. young drivers who are of minimum age.
You are generally not required to carry medical payments but all insurance companies are required by law to offer you a medical payments liability cover of at least $1000 and uninsured/under-insured motorist cover at an amount equal to the bodily injury cover that you decide to purchase.
If you are planning on a car lease in Las Vegas or elsewhere in Nevada, then we would advise you to check your lease agreement carefully since they commonly require that you have a liability cover of $100,000 per person, $300,000 per accident and possibly a damage cover over the lower limit of $10,000. These are minimum auto insurance requirements for Las Vegas and the state of Nevada as a whole.
Teri is an insurance actuary in Las Vegas and writes at the las vegas auto insurance guide where you can find more tips for finding auto insurance in Las Vegas and the rest of Nevada.
categories: las vegas car insurance,las vegas auto insurance,las vegas,nevada,car insurance,auto insurance,motoring,car lease,care hire,finance,gambling,casinos
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