Exploring Different Types of Auto Insurance Coverage in Reno, NV

Shopping for auto insurance can be a daunting task. There are many coverages to consider, and deciding which type is best for you is difficult. This blog post will explore the different auto insurance coverage available in Reno, NV, so you can make an informed decision about your policy and how Hinman & Associates Insurance can help.

Liability Coverage 

This coverage is mandatory in most states and protects you if you cause injury or damage in an accident. It will cover the costs associated with medical bills, vehicle repairs, and legal fees. Liability coverage typically comes in two forms: Bodily Injury Liability and Property Damage Liability—and it’s essential to ensure you have enough coverage to protect yourself financially in the event of an accident. 

Collision Coverage 

Collision coverage helps pay for repairs to your car if it is damaged in an accident with another vehicle or object (like a tree). Collision coverage may compensate for a brand-new vehicle if your car is totaled. 

Comprehensive Coverage 

Comprehensive coverage helps pay for damages to your vehicle caused by something other than a collision – such as hail damage, theft, vandalism, or fire. It’s important to note that comprehensive coverage does not cover any damage caused by an animal.  

Uninsured/Underinsured Motorist Coverage 

If you are involved in an accident with a driver who does not have insurance or whose insurance limits are too low to cover all the costs associated with the accident, uninsured/underinsured motorist coverage can help protect you financially. This type of coverage pays for medical bills, lost wages, property damage, and other expenses related to an accident exceeding the at-fault driver’s policy limits. 

If you live in Reno, NV, and need help exploring different auto insurance policies, don’t hesitate to contact Hinman & Associates Insurance—we’re here to help!