As a new driver, you may lack confidence or experience on the road, especially when driving under adverse weather conditions. This makes you more susceptible to causing accidents. The right insurance coverage will protect you and others against the damage that accidents can cause. At Hinman & Associates Insurance in Reno, NV, we can customize your auto policy to provide you with the essential protection you need to include the following:
Like most states, Nevada requires that drivers have auto liability coverage. Liability covers the cost of injuries or property damage to other drivers or pedestrians in accidents that are your fault. If you cause an accident, you’re responsible for paying for damages. Nevada sets minimum limits on the liability insurance drivers must carry. As serious accidents can cause extensive damage to others, it’s better to purchase more than minimum liability coverage. Otherwise, you could wind up paying for much of that damage out-of-pocket.
Nevada also requires that you have uninsured motorist coverage to protect yourself against hit and run drivers or drivers with insufficient insurance coverage.
Comprehensive coverage compensates you for the current market value of your vehicle if it’s stolen. It also covers damage to your car if a falling object hits it, suffers vandalism, or is damaged by adverse weather. If you’re into road trips, comprehensive insurance can come in handy to protect your vehicle against these risks while traveling in unknown places.
Collision insurance covers damage to your car caused by crashing into another vehicle or object such as a tree, fence, or telephone pole. If your vehicle slips on an icy road and slams into a tree or rear-ends another vehicle, collision coverage will help pay for your vehicle repair costs.
To learn more about auto insurance options and costs, contact us at Hinman & Associates Insurance in Reno, NV.