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Rv Insurance in Nevada
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Do you own a Recreational Vehicle (RV) and live in the Reno, NV area? Are you sure you have the right insurance coverage for that RV?
If you do not check with the state, there is no way you can know for sure. To help with that, we have compiled this information for your consideration. The State of Nevada has some precise obligations for owners of RVs that will be driven on their roads.
What are those requirements exactly? Read on to find out.
Nevada RV Insurance Laws
In Nevada, the traditional “fault” assessing system is used when it concerns losses stemming from a vehicular accident. This includes:
- Loss of income
- Injuries physical and emotional
- Damage to your vehicle
What this means is that whoever is deemed to be responsible for the accident – at fault – is also considered to be responsible for all harm that results. That driver’s insurance provider would then be responsible for absorbing any financial losses up to the limits of the policy. Those damages beyond those limits fall on the driver themselves.
The state of Nevada requires that owners carry liability insurance that meets a minimum amount of coverage. The areas that each have specific dollar amounts include:
- Bodily injury or death of one individual in an accident that is caused by the insured driver/owner
- Total bodily injury or death liability in an accident that is caused by the insured owner or driver
- Property damage per incident or accident that is caused by the insured driver or owner
It is essential to remember that the liability coverage provided does not cover your own vehicle damage or injuries. Additional coverage is needed if you are involved in a car accident with no other person’s insurance coverage to apply to your personal losses.
Hinman & Associates Insurance in Reno & Sparks NV
All vehicles in Nevada – including RVs – are required to have Nevada Insurance Coverage. Hinman & Associates Insurance provides that insurance coverage to residents in the Reno, NV area and throughout the state. Contact us today to find out what we can do for your RV insuring needs.