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Auto Insurance in Nevada
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When it comes to auto insurance for Nevada citizens, look no further than Hinman & Associates Insurance located in Reno & Sparks, NV. You can trust us to help you find the right policy to meet your needs and to help you understand what the basic auto insurance requirements are.
Just because everyone is required to have auto insurance doesn’t mean you don’t have options. Each state has different requirements for the level of insurance you need to purchase. In Nevada, you must have the following insurance at a minimum:
- $25,000 for bodily injury per person
- $50,000 for bodily injury per accident
- $20,000 for property damage per accident
These minimums are actually a new increase that started on July 1, 2018, so it’s extremely important to make sure your policy is up to date to meet these standards. If you don’t have your policy and coverage updated to these new levels, you could face penalties.
Once you have this minimum covered, you’ll probably want to think about extending your coverage beyond this basic liability insurance. When you purchase the minimum liability insurance, you’re covering what you’re liable for in the event an accident is your fault- injury and damage to others and their property. Liability insurance doesn’t cover injury and damage to you and your own property. Without additional insurance, you could be facing huge bills after an accident, which is something you definitely don’t want to deal with when you’re already dealing with the stress and potential health complications of an accident.
Other types of auto insurance to consider include collision, comprehensive, uninsured/uninsured motorist, and medical payments. These policies cover damage to your vehicle from an accident, damage or theft from non-accident situations, medical costs when the other driver is at fault and doesn’t have any or enough insurance, and medical payments no matter who is at fault, respectively.
No matter the extent of coverage you are looking for, you can trust Hinman & Associates Insurance to take care of your needs. Stop into our Reno & Sparks, NV locations today for an auto insurance quote. You can also use our online rating tool to get a quote as well to meet your insurance needs.