Requirements for Nevada Car Insurance
It is a given that if you have a car that you must have car insurance. Each state has certain requirements for insurance and you should know all the facts about your state's insurance laws. This way you will not only protect yourself but also fully understand all the options available to you.
Learn about Nevada car insurance so that you can decide what insurance packages are best for you and your family. Remember that if you have a teen driver in the household that there are additional insurance packages that you should be looking at.
Minimum Requirements
The state liability limits for Nevada car insurance in an instance of bodily harm and property damage is 15/30/10. This may sound confusing but it is really easy to understand. Each of those figures stands for a dollar amount, for example the 15 represents $15,000 and so on.
In the case of bodily harm Nevada car insurance laws mean that you must have liability limits of $15,000 per person for any bodily injury sustained and $30,000 for every accident. Remember that this is the very minimum; usually people choose to have liability limits of about $100,000 and $300,000 for bodily injury per person and accidents.
The minimum liability for property damage is $10,000. A popular liability limit for property damage is $50,000. You can choose to buy your insurance as a combined single limit, under Nevada car insurance laws the minimum limit for this type of insurance is $40,000.
Extras
Nevada car insurance laws do not require coverage for medical payments. Realistically in the case of an accident you will probably need some type of medical treatment. It is recommended that you choose some type of insurance that will give you at least $5,000 in coverage of medical payments.
You are also not required to have uninsured motorist bodily injury. To have all your bases covered you should think about getting a package that will cover you for this as well. This is the best way to make sure that everyone in your car is safe and is assured proper treatment in the case of the unfortunate. Commonly the limit liability for this is $50,000 per person and $30,000 per accident.
Talk to your insurance provider about what types of insurance you should get. Don't base your decision on state requirements alone or what your friends have opted for. Each individual differs and an agent will be able to recommend the best packages to you.
