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Types of Coverage

The State of Nevada requires minimum bodily injury and property damage coverage on all registered motor vehicles; however, there are other types of coverage that you may consider obtaining for your own peace-of-mind.  But how do you decide what type of coverage you need and how bodily injury/property coverage protects you?  You must acquaint yourself with the various types of Nevada auto insurance coverage that are available to you:

Bodily Injury Liability – This type of coverage will pay for bodily injury claims filed by other individuals injured in the accident.

 

Property Damage Liability – This type of coverage will pay for the damage done to another’s property in the accident.

 

Medical Coverage (sometimes called PIP or MedPay) – This type of coverage is optional and is a supplemental source of funds that will cover the medical bills incurred by you and the passengers if you are in an accident.

 

Uninsured and Underinsured Motorist Coverage – This type of coverage is optional and protects you in the event that the driver who caused the accident is either underinsured or uninsured.

 

Collision Coverage – This type of coverage is optional and pays for damage to your car when you are in an accident.

 

Comprehensive Coverage – This coverage is optional and pays for damage to your car that is not accident-induced.  For example, Comprehensive Coverage will pay for vandalism, windshield breaks, storm damage and more.

 

Varying deductable amounts must be paid before insurance will begin to pay. Comprehensive and Collision coverage can become quite expensive, so you should weigh your options carefully.  For example, if your vehicle is worth only $500, it is not prudent to obtain full Comprehensive coverage as the deductable will likely be more than the cost of replacing the vehicle.



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