A car accident can be a scary time in an individual’s life. Regardless of the severity of an accident, it can cause a sense of panic and leaves a driver unsure of what to do next. In the event of a car accident, car insurance policies can help pay for the medical bills and property damage that happens as a result. There are also certain benefits that come with car insurance depending on a driver’s policy. There are 48 states in the country that require a driver to have car insurance, Nevada being one of them.
Nevada Insurance Requirements
Similar to other states, Nevada requires drivers to have a minimum amount of liability car insurance. The law within the state requires a motorist to buy coverage that pays for injured parties if they are found to be at fault for the accident. The insurance minimums in Nevada are as follows:
- $25,000 per person for bodily injury
- $50,000 per accident for bodily injury
- $10,000 per accident for property damage
It is important to note that motorists are not required to purchase insurance that pays for their own injuries or property damages. However, purchasing additional coverage ensures the driver themselves is protected if they are ever injured in a car accident.
In addition to insurance minimums, the state of Nevada also offers supplemental insurance policies. Supplemental insurance is an extra policy that an individual may purchase to pay services their regular insurance does not cover. This helps to cover other costs related to car damages and repairs. There are different types of supplemental insurance policies available in Nevada. This includes:
- Personal Injury Protection (PIP): No-fault insurance that covers medical bills, rehabilitative costs, and lost wages for the policyholder or any passengers involved in the accident regardless of who is at fault
- MedPay: Covers medical treatment for injuries to the policyholder driver or other passengers regardless of who is at fault
- Underinsured/Uninsured Coverage: Available to individuals to protect them if they are involved in an accident with a person who does not have enough insurance to cover their losses
- Collision: Covers any damage to the driver’s vehicle due to the accident, regardless of who is at fault
- Comprehensive: Pays for the damage to the driver’s vehicle that is due to situations other than an accident, such as flooding, falling objects, theft, etc.
If you or someone you know was injured as a result of a drugged driving accident and wish to speak with an experienced attorney, contact Lawrence C. Hill & Associates, LTD. today.